will having a littlewoods account affect eligability for a mortgage?

BrettMorganxD

i only owe like 200 quid now and wont be getting mortgage for few years but will having one open affect it eve if it isn't being used.

should i cacel it a year before i apply

rachelonna

I would generally repay (not necessarily close) all the credit cards accounts that you own before applying for a mortgage, but if that's not possible, I don't think it will affect your chances as long as you don't have too many store cards open and blemishes on your credit record

BlueAngelCV

I can't see that having an account which isn't in default should have any impact on getting a mortgage.

If you think you might use it then keep it open, otherwise get rid.

If that's the only thing you have to worry about in terms of getting a mortgage then you're a lucky man!

BrettMorganxD

BlueAngelCV wrote: »

I can't see that having an account which isn't in default should have any impact on getting a mortgage.

If you think you might use it then keep it open, otherwise get rid.

If that's the only thing you have to worry about in terms of getting a mortgage then you're a lucky man!

well apart from a £100 overdraft that i don't use often and what I am closing ina couple of months. I have no other debts.