Independent all-ranks staff association for regular, reserve and veteran UK armed forces personnel - How service personnel can improve their credit score

Members of the armed forces can be at a disadvantage when they need to borrow after they return from overseas or leave the services, because their itinerant lifestyle and lack of credit history can ruin their chances.

Your borrowing needs in future years could include buying a car, obtaining a mortgage to buy a family home, or even starting your own business.

According to the credit reporting company Experian Interactive:

Your credit status is based on a host of factors, from a track record of repaying what you owe to being on the electoral register.

If you don’t meet the normal criteria because of a military career, you could find it difficult to get credit or have to pay higher interest because lenders don’t know whether you’ll be reliable.

Fortunately, according to an article on, there are a number of things which you can do to improve your credit score:

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Welcome to British Armed Forces Federation - BAFF - independent all-ranks staff association for members of any branch of the Royal Navy, Royal Marines, British Army and Royal Air Force, including the reserves. All current UK service personnel of any rank are eligible to join and, as BAFF is not a political organisation, to take an active part in its activities if they wish. Former regular or reserve forces personnel are also very welcome.