If you are planning on getting a mortgage but your credit score is not good, it is a bit difficult to get mortgage however it is possible. 

A credit score is a financial report of your bank account within six years. The following details are looked at the length of your credit history, any court appearance for financial matters and credit behaviours (missed payments). As many people already know, if your credit score is good, then the bank is more likely to offer you better interest rates. However, people with a bad score, may not be able to get a mortgage with a bank but other options are available. 

Improving credit rating is possible as you should keep up with repayments, maintain your credit and overdraft limit, try to avoid applying for too much credit and lastly keep your name and address up to date. 

Keep working on your credit score and hope for the best!