If you use a credit card, then it’s important to make sure that you’re keeping up with your repayments. You should settle your monthly bills in full and on time wherever possible, as late or missed payments can negatively impact your score.
In addition to this, you should try to keep your rate of credit utilisation low. Ideally, you should spend no more than 30% of your available credit limit across all your credit cards. If you’re using a large percentage of the credit available to you, then that suggests you might be in a bit of financial trouble. Lenders might be less willing to lend to you and it could negatively affect your score.
Essentially, timely repayments and maintaining a low rate of credit utilisation, shows to lenders that you're able to manage your finances responsibly and are not too reliant on credit.