Can anyone tell me if getting a loan to cover two credit cards would help improve my credit score? my credit score has always been above average until some spending went out of control. I can afford the repayments and I no longer use the cards, but I need to improve my credit score quite quickly to get a good remortgage deal. I was thinking of consolidating the amounts on the two credit cards (which are at their limits) and getting a loan from the bank, would this help?