increasing credit score

hadenoughnow

I am rebuilding my credit following bankruptcy, i managed to get a vanquis credit card, and kept paying it off, they have now increased my limit to 1500 and an outstanding balance of 300 (which will be cleared next payday) I have just applied for and been succesful in a "luma" card and a barclaycard. Purely to show some activity on my credit report, i have no intention of getting into trouble again, im a far wiser man now!! Anyway, this got me thinking to check my credit report, which i did, and it shows the vanquis card and all is excellent on the repayments etc, also it shows the acceptance of the 2 other cards, but i havent had them yet so no history. Now my credit score is 393, which i believe is fair. but im wondering how high it has to be before i can look at applying for a normal mortgage, not a high interest one. And does anyone know at what kind of rate do these scores increase? any inout is greatly appreciated
Regards
HEN

timetochange116

I think they base the lending decision on your report and not your score. My OH has a score of 932 which is good, but we were rejected for a mortgage because of a default on his report from 2006.

From my own experience, time is the only healer for bad credit.

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