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If you are listed as the bill payer and repay them on time regularly then this will improve your credit score.

Similarly, if you have a mobile phone contract rather than a pay as you go phone, repaying this regularly will also improve your credit score as it also shows up on your credit report.

Checking your credit report can also be good to see what your risk is for identity fraud.

If there is no activity and you don’t plan to use them again anytime soon, there is no point in having them.This is because when lenders check your credit report they aren’t just looking at how much money you owe.They are also looking at how much money you could potentially be borrowing at one time.Your credit score is based on your financial history.Any debts you have repaid or failed to repay on time (or at all) will show up in your credit report.

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