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There are some things you can’t (immediately) do much about when it comes to your credit rating - some methods of credit score use your neighbours in the same postcode and their payment histories in the calculation, so glass half-full, if you live in a ‘good’ area your score will be dragged upwards by your neighbours and their fine ways. But on the other hand, if the post code isn’t so good… you know the rest.

There are 2 types of credit report – the public credit report or the private.
Your public report will contain data gathered from the electoral roll information, any outstanding records of insolvency, any county court judgments or notices of correction against you.

Your private credit report consists of your public credit report plus credit history information obtained from lenders who are members of data sharing clubs.Only a limited number of lenders are able to see your private report - most others (employers or landlords etc) will only be able to see the public report.

Your credit score is reckoned as the probability that you will default on a loan, expressed in a simple number to help credit underwriters to handle them. Normally, a credit score ranges between 0 -1000, 1000 being best (ie the least likely to default).
What does need to be remembered is that every credit score is different - as they are generated for a particular applying lender - a credit card issuer may well require a different profile to a mobile contract supplier, for example.

View your credit file based on any of the UK credit reference agencies, or all three at once