*Loan,banking and credit>>>credit score

How can i improve my credit scoring? i live in the UK?

I used to live in hostel and some people in there were blacklisted so it effected everybody. that was almost 3years ago. now i have a contract phone with 3 and always pay my bills on time. plus i graduated from uni 1year ago. some strange reason i cannot get a credit card or even a store card. i also work as a temp. are all the things i mentioned behind my low scoring? i am not even a big spender but i have been living on my overdraft since i started university and i was always broke as a student because i couldn't work full time at the time so now i am trying to improve my finances. please help.
cheers in advance.

Lenders analyze your credit scores to determine whether or not to approve a home mortage, a car purchase and nearly all other types of loans.
Before lending you money, creditors want to determine how much of a risk you are鈥攊n other words, how likely you are to repay the money they loan you. Credit scores help them do that, and the higher your score, the less risk they feel you'll be.

Most increases to your credit scores take place over time and require an ongoing effort from you. The only true credit score quick-fixes are to pay down debt and to successfully dispute negative information on a credit report.

Credit scoring software looks at five areas of your credit reports:

Your Payment History

Amounts You Owe

Length of Your Credit History

Types of Credit Used

Your New Credit

Credit scoring in the UK:

Many different formulas are used to calculate credit scores, but most are based on the following factors, which each lender weighs differently:

Payment history - A record of late payments on your current and past credit accounts may lower your score.

Public records - Matters of public record such as bankruptcies, judgments, and collection items may lower your score.

Amount owed - Owing too much may lower your score, especially if you're approaching your total credit limit.

Length of credit history - In general, a longer credit history is better.

New accounts - Opening multiple new accounts in a short period of time may lower your score.

Searches - Whenever someone else gets your full credit report . a bank, mobile phone company, or other financial services company, for example a search is recorded on your credit report. A large number of recent searches may lower your score.

Accounts in use - The presence of too many open accounts can lower your score, whether you're using the accounts or not.
http://www.consumerbadcreditguide.com/cr...