i feel so stupid,my credit is terrible i have checked with experian and i owe £5000 even though i am paying it off how long will this affect my credit rating i cant even get a next catalouge in my name let alon a morgage. dh is in the same boat.any tips please
i was also told once, paying for as much as you can by cheque or debit, ie bills, shopping card will help your credit rating, as lenders can see where your money goes. When you pay for things in cash, you money could be going anywhere.
ive just applied online to capital one and my card will arrive in aweek,can i freeze it as cards have chips on them now. i will pay for dd swimming lessons each month and pay it off each month the rest of the time it will live in the freezer.