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
Why does filing on time matter for your credit score?
Late Companies House filings damage your score fast. Set two calendar reminders before every deadline.
Does paying suppliers on time improve your credit score?
Suppliers report payment behaviour to credit agencies. A pattern of paying on the due date (or earlier) is one of the strongest positive signals.
How much of your available credit should you use?
Using less than 50% of any available credit line looks healthier than repeatedly maxing out revolving facilities.
How often should you check your business credit file?
Pull your Experian and Equifax business reports twice a year. Errors are common and can be corrected in writing.
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