Have you got any advice about how I can improve my poor credit rating to get a mortgage loan?

When I was a student I was very careless with my money and I had problem with debt. As a result I have a very poor credit rating. Have you got any advice about what I could do to improve my rating so I could get a mortgage loan?

Credit scores generated by the reference agencies mean very little to a mortgage lender because they tend to use their own assessment system when reviewing your credit profile. That’s not to say you can’t improve the record. Make payments on time, in full if you can. Set up direct debits or standing orders to ensure that you are never late paying. Keep your credit card balance well within its limit, no more than 75% is ideal. And make sure you are on the voters’ roll.