Your credit record can be a powerful tool — or a silent deal-breaker — especially when you’re looking to rent or apply for credit. At Bathamaga Property, we encourage tenants and aspiring homeowners to understand their credit behavior and adopt habits that boost their financial reputation.

If you’re on a mission to improve your credit health, here are 3 smart and impactful habits you should adopt:

1. Avoid Missed Debit Orders

A missed debit order — even just once — can leave a mark on your credit profile for up to 2 years. Lenders and even landlords may see this as a sign of financial mismanagement.

Tip: Set up reminders or automated transfers to make sure your payments go off on time.

2. Don’t Apply for Credit Too Often

Every time you apply for a loan, credit card, or store account, it’s recorded on your profile. Multiple applications in a short space of time raise red flags and can lower your credit score — even if you’re not approved.

Tip: Only apply for credit when necessary and space out your applications wisely.

3. Maintain a Positive Bank Balance

Many lenders look beyond your credit score. They evaluate your bank account activity to see how much disposable income you have after expenses. If your balance is consistently low or negative, they may decline your application, even if your credit record looks fine.

Tip: Track your spending and aim to have a stable balance at month-end.

These Habits Help You Build a Strong Credit Record

The 3 points above may sound simple — but over time, they work together to build a strong credit record that lenders and landlords trust. Good financial behavior isn’t just for buying a house — it also helps you when applying for rental properties, car finance, or other credit-based services.

Why This Matters — Even When Renting

Many landlords now do credit checks before approving tenants. Your score can be the difference between getting the keys or missing out. If you haven’t yet, read our previous article on how a bad credit record can dent your name even when renting.

Final Word

If you’re serious about your financial future, start with the basics. Pay on time, apply wisely, and maintain financial consistency. The sooner you build a strong credit record, the better your chances of qualifying for the home, car, or opportunity you deserve.