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Comparison website Moneysupermarket also offers a similar "Smart Search" service. Not being included on the electoral roll By being on the electoral roll you give an added assurance to lenders that you are who you say you are and live where you say you live.

"It will help support your application and improve your credit score because identity verification measures help protect lenders and borrowers from possible fraud.

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Even an accurate entry on your credit file, such as a missed payment, can turn into errors.

That's because defaulter notices should be scratched from the record after six years, but this isn't always done.

"Having a high credit limit on a card but using a low percentage of it will have a more positive impact on your credit score than having a low credit limit but spending the entire amount regularly." 5.

Forgetting to pay or skipping the odd agreed payment One missed payment can last on your credit file for six years, so if you ever amend a direct debit or close a bank account make sure that your credit card, loan or mortgage provider is notified.

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