Most people are likely to apply for credit at some point in their lives.

This might be, for example, for a mobile phone contract or a car loan. The lender will approach a credit reference agency (CRA) for information about your credit history whenever you apply for credit.

The information they receive then helps them make fair and responsible decisions about whether to give you credit.

Some tenants can now get their record of making regular payments onto their credit report and improve their credit score via a rent reporting platform.

Although Progress Housing Group does not currently participate in a scheme of this kind, you can self-report your payments via CreditLadder or Canopy

If payments are made on time and in full, this will likely boost your credit score.

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