Hi thanks for the reply thus far, ive never missed a payment, the reason im tryiing to improve my credit rating is, i already have a mortgage, and i have taken out a 2nd mortgage, however i also applied for a loan and was rejected 3 times, so i wanted to try and improve my credit rating/score, i was thinking of opening a new bank account and putting in £100-£200 for around 3 months, to allow me to take out a loan if necessary in the future