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How can my credit score get lower?

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Hey all, dont know if this forum is busy, by the looks of things not very.


Background story of myself, got credit cards when I was younger (in my 20's) was irresponsible with them and maxed them out and didnt care. Forward on 5-6 years I am now 30 and looking to buy a house with my missus. So I've been monitoring mine for over a year now and it hasnt been great, old debt is slowly dropping off but there is other things on it which I dont understand. Hopefully these screen shots may give a better understanding than I could explain.




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OK let's go through things that will lower the mythical credit ''score'' 1. The ''score'' is a day to day indicator for your eyes only not for potential lenders.

2. Frequent or numerous credit searches will lower the ''score'', lenders may see this as credit ''hunger'' searches show on files if the app is accepted or declined.

3. You have maxed out available credit or nearly so.

4. You only make minimum payments and don't clear balances each month.

5. Any late or missed payments will lower the score until the picture shows all payments are being made on time.

6 Defaults obviously lower the ''score''

7. Arrangements to pay are nearly as bad as a default imo.

8. Not on electoral roll, very bad.

9. Public info file CCJs?

10. It seems odd but settled accounts also affect as there is no further payment activity to track

11. Having little credit history to check seems to be as bad as having too much.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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