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Credit Score Improvement

Every credit report pulled and read, errors disputed, payment history and utilisation managed month by month, and a clean, well-prepared file ready before the next big application.

Free · Mac (Apple silicon) and Windows · v1.0.0 · Other platforms

Then open the Marketplace in the app, search for Credit Score Improvement, and click Install. It goes into your own files, and works offline from then on.

Before you start: this plan is general information to help you organise your own money decisions. It is not financial, investment, tax or legal advice. Check decisions that matter with a qualified, licensed adviser in your country, and remember that investing and trading can lose money.

What it installs.

1

Pillar

1

Area

50

Projects

201

Starter tasks

💷 Personal Finance

Credit Score Improvement

Checking credit reports, fixing errors and building a stronger credit history before a big application.

  1. Full credit reports from every main agency
  2. Credit file account-by-account inventory
  3. Name, address and date of birth accuracy check
  4. Proof of address showing on your credit file
  5. Financial links to other people on your file
  6. Free score services and alerts set-up
  7. Late payment markers and defaults audit
  8. Credit utilisation calculation across all cards
  9. Hard and soft search history review
  10. Automatic minimum payments on every reported account
  11. Monthly credit file alerts check
  12. Quarterly agency report rotation
  13. Card balance paid before the statement date
  14. Credit score and utilisation tracker
  15. Credit application and search log
  16. Keeping dormant cards gently active
  17. Annual credit file deep review
  18. Personal utilisation ceiling rule
  19. What moves a credit score and what does not
  20. Reading a credit report line by line
  21. Eligibility checkers and soft searches
  22. How lenders use your file beyond the score
  23. How long negative marks stay on your file
  24. Your rights over credit reference data
  25. Open banking and alternative credit data explained
  26. Disputing errors with the credit agencies
  27. Notice of correction for an accurate negative entry
  28. Credit limit increase decision
  29. Choosing a credit builder card
  30. Credit builder loan or savings-backed builder comparison
  31. Getting rent payments onto your credit file
  32. Marking old defaults as satisfied or settled
  33. Hard search cooling-off before a big application
  34. Credit file preparation before a mortgage application
  35. Credit check before renting a new home
  36. Credit file check before a car finance application
  37. Pre-employment credit check readiness
  38. Moving-home credit file update
  39. Twelve-month credit file progress review
  40. Building a credit file from scratch as a young adult
  41. Credit history after moving to a new country
  42. Rebuilding credit after a default or court judgement
  43. Credit file separation after a relationship ends
  44. Joint applications and your partner's credit history
  45. Credit history while self-employed
  46. Keeping a credit file active in retirement
  47. Helping a parent or young adult check their credit file
  48. Clearing fraudulent accounts from your credit file
  49. Credit freeze or protective registration decision
  50. Credit dossier for a complex application

Where it starts.

Each project arrives with its purpose, milestones and first tasks written out. Here is how the first three read.

Full credit reports from every main agency

Lenders do not all use the same credit reference agency, so a clean report at one can sit beside an error at another. Most countries give you a free statutory report from each of the main agencies, and pulling all of them in the same fortnight gives you the one complete picture every later project depends on. Scores shown in apps are a summary; the full report is the evidence.

First tasks

  • Look up which credit reference agencies operate in your country
  • Request the free statutory report from each agency
  • Save each report as a dated PDF in a single credit folder
  • Write a one-line summary of accounts, searches and negative entries per report

Credit file account-by-account inventory

Reports list accounts in different orders, with different names for the same lender and sometimes accounts you forgot you had, such as an old mobile contract or a store card from years ago. Building one table of every account across all reports shows what each agency knows, what is missing and what does not belong to you at all.

First tasks

  • Set up a table with lender, account type, opened date, status and agency columns
  • Copy every account from the first report into the table
  • Tick off matching accounts from the other reports and add any new ones
  • Flag any account you do not recognise for a fraud or error check

Name, address and date of birth accuracy check

Lenders match your application to your file using personal details, and a misspelt surname, a wrong date of birth or a missing previous address can cause a decline that has nothing to do with how you handle money. Checking the identity section of every report is quick and often fixes problems people blame on their score.

First tasks

  • Write your own address history for the last six years with months
  • Compare the identity section of each report against it
  • List every wrong or missing detail with the agency that holds it
  • Send each agency a correction request through its online form

Make it yours.

Install Credit Score Improvement, then tell Aurum the date you're aiming for. It checks whether the plan fits the weeks you actually have.

Free · Mac (Apple silicon) and Windows · v1.0.0 · Other platforms

Blueprints are general information to help you organise your own work. They are not medical, financial, legal or other professional advice. See the Terms.