How to: Improve your credit rating

We believe that you should get credit for paying your rent on time

That’s why Poplar HARCA has joined the Rental Exchange – a way to enhance your credit report without needing to take on new credit agreements.

To do this, your landlord will provide your rental payment record to Experian on a regular basis. You will therefore be recognised for paying your rent on time, similar to homeowners being recognised for paying their mortgage each month. Having a strong and positive credit history helps demonstrate to lenders that you can be trusted to repay what you borrow. Our shared ambition is to enable you to gain better access to credit and mainstream services when you need them.

But don't worry, you can be confident that your information will be kept secure and confidential. The Rental Exchange has been developed with advice from regulators and consumer groups and fully complies with all relevant laws, including the Data Protection Act.


A higher credit score means it may become easier for you to:

  • Open a bank account
  • Get a new credit card
  • Have a loan application approved
  • Shop online
  • Qualify to pay for gas/electricity via a credit meter
  • Receive better mobile phone rates



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