WELCOME to Sun Savers – the Scottish Sun’s daily cash-saving club.
If you haven’t already begun collecting our codes to claim your free monthly fiver, then follow the instructions on the Sun Savers page to get started.
Simply download our amazing free app and scan your very own unique code printed each day in the paper.
Once you reach 28 codes, we’ll send you a free fiver – it’s that simple.
Now, would you credit it? Two thirds of Scots have no idea what their credit score is, despite it being the biggest factor in getting financial products like loans, mortgages, bank accounts and credit cards.
The study from online lender MyJar found four in 10 have never tried to find out their credit score, and even those who do look at their score leave it more than a year between checks.
A MyJar spokesman said: “It’s really valuable to know and understand your credit score, because if you’re able to improve it, it can offer peace of mind knowing you have that safety net there if you need it. You can easily request a copy of your credit score online.”
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A better credit score means easier access to the best financial deals, so here are MyJar’s top seven tips for improving your score.
1) Join the electoral register.
2) If you have a credit card, pay it off in full every month.
3) Don’t make use of all of your available credit facilities, as it indicates financial difficulty.
4) Don’t make a lot of credit applications in a short amount of time.
5) Having the same bank account for a while is a good indicator for your credit score.
6) Make sure your credit applications are consistent – for example if your job title changes from application to application, it can raise red flags.
7) Make sure your partner or flatmate’s credit is also in order, as sharing an address with someone means their credit score can be tied to yours.
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