Key points
- File accounts and confirmation statements on time, every time
- Consistent on-time supplier payments carry real weight
- Keep utilisation under 50% on revolving credit facilities
- Check your Experian / Equifax reports twice a year for errors
File on time
Late Companies House filings damage your score fast. Set two calendar reminders before every deadline.
Pay suppliers on time
Suppliers report payment behaviour to credit agencies. A pattern of paying on the due date (or earlier) is one of the strongest positive signals.
Keep debt utilisation moderate
Using less than 50% of any available credit line looks healthier than repeatedly maxing out revolving facilities.
Check your file
Pull your Experian and Equifax business reports twice a year. Errors are common and can be corrected in writing.
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