Strange Equifax advice

cifpower

Received an email from Equifax on how to improve my credit rating. All the usual stuff was in there such as electoral roll, make sure you pay at least the minimum payment, not too many searches mind. But this one sounded a bit off:

Avoid carrying a balance that is more than 30% of your credit limit (creditors may view it as excessive debt and that you may not be able to keep up with repayments).


Then why give people £25k limits if you are only supposed to spend 30% of it?

Robert_Sterling_3

Perhaps you should miss out the middle man, i.e. MSE, and ask Equifax themselves.