credit rating

[stephen2504]

how can i alter my credit rating my credit rating was good which meant i could get a bank loan 5.7 percent but just cos i applied for a few bank loans and never went through with them my credit rating is now fair which means the same company offered me a loan at 7.4 percent. my girlfriend moved out a few weeks ago and she has a few credit cards and a bank loan how do i tell the credit people that she dosent live with me no more

[kaz6632]

When you recieve mail from the relevant credit agency return the unopened to the address on the back of the envelope. If you have a forwarding address you may wish to attach that. Inform them the named person is no longer a resident at that address. As far as I am aware your credit rating will improve when you remain in credit or purchasing on credit card & repaying full amount before bill or on time etc