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Accepted for credit card, is my credit score now improving?


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Having a poor credit I decided I would like to try and build up my credit rating. I have a mobile phone contract, insurance which comes out monthly, a few direct debits and other insurances policies. I have also just taken out a bicycle on 0% finance which was over £500. Does this mean my credit rating is improving or has improved? A few months ago I looked on credit expert and my credit score was around 440 which was very poor it said. I applied for a Capital One Classic credit card and Aqua to try and help build my credit but I was declined. A few months later the other day I applied again and have been accepted and Capital One has given me a credit limit of £500. I do not plan on getting anything with interest on credit cards I will be buying shopping which I usually buy on debit card but with credit card then paying off the credit card in full before statement date. Is this a good thing to do? Does this mean my poor credit file is starting to "get back on track"?

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