I bet mine will be rubbish. We paid everything off and don't have any outgoings apart from the usual living bills. I don't see the need for a good score unless you are going to borrow any money? Is there another reason that I am unaware of and will bite me later?
It can sometimes damage yer insurance cost if yer a risk. It also helps yer to have financial identity at yer address as proof.

Years ago eye was told to do the same as kev. Use a credit card to pay fer stuff and pay oft the balance each mumf so there's no charges. Each monthly payment gets a good/bad score against yer. Same fer loans etc. Me eqwefax score is 999.
 
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