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From this month, we’ll be letting the credit reference agency Experian know that you have a thinkmoney Current Account Plus Credit Facility.

This will show as a “revolving credit facility” on your credit report and will include your outstanding balance.

Although lenders’ and credit reference agencies’ policies vary, paying your bills on time and maintaining your borrowing commitments will usually be seen as a good thing if you apply for credit in future.

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How to rebuild your credit score

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What gives you a bad credit rating?

Check your credit history isn't holding you back

What is a good credit score in the UK?

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