A low credit score usually comes from missed payments, high balances, or lack of credit history.
Common causes
- Missed or late payments
- High credit usage
- Too many applications
- No credit history
1. Missed payments
Even one late payment hurts.
Quick fixes:
- Set up direct debits
- Check for old unpaid bills
2. High credit usage
Using more than 30% of your limit lowers your score.
Quick fixes:
- Pay down balances
- Ask for a higher limit
3. Too many applications
Each check lowers your score temporarily.
Quick fixes:
- Avoid applying for 3–6 months
What to try first
Check your credit report for errors.
When to contact the agency
If you spot incorrect information.