Hi, all my life i have been terrible with money. Over the past 10 years or so i have been in thousands of pounds worth of debt which thankfully i have had family to help bail me out. Now my credit score is crap, i cant get anything on credit, no credit cards or loans, i even struggle to open a basic bank account.
What i would like to know is how to boost or increase my credit score/rating?
I have cancelled all my direct debits now (bar the few important ones) and pay my mortgage and bills etc over the phone. Does this still boost my credit score if i show i am paying things on time although it isn’t direct debit out of my account?
Sorry for the essay ha ha, any help would be most appreciated 
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once everything paid off u get no credit history for atleast 3yrs, some of ur old debt companies have left some really bad scars on ur credit history, get a latest report of ur credit history n find out wot’s rong there.
thn speak to same company where u have obtined ur credit history how to improve it now.
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Well I hear that simple things really make a difference. Can you handle a car payment? I dont know your financial situation, but why dont you try to save a few thousand dollars, and get an inexpensive used car and make the payments every month. Also, I know that smaller jewelry places like in the mall that have their own finance company, will do really good for you, just the same as a credit card. Buy something nice for you or your wife, make it a thousand dollars, and you might have to put half down, but make the montly payments on it, and that will boost. Also I heard gas cards, but those might be just as hard to get as a credit card.
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Thinking of ways to boost credit score is not that hard as some people would imagine. Having a good credit score is so important in a persons life. Applying for loans and credit cards would be a breeze for those who have very good credit score. If you already have a goodways on how you can significantly improve your credit score. Some ways takes time to achieve and some takes only a few weeks or even a few days to do. However, if you start working on it as soon as possible, you will see that it will be worth all the effort.