Any advice on my credit file?

vintagegirl

I have spent a long time waiting for my credit file to become clean and next week my last default drops off so I will have no late payments, ccjs or defaults against me :

I have a few Credit cards with smaller balances but on high interest rates that is like to see if I can get a 0% deal.

I moved house 4 months ago, I'm on the electoral roll and my experian file says the following

I have 27 credit accounts.
Use 21% of my credit available

I removed all financial associations from my ex husband.

Any advice?

[Deleted User]

Cut down to two or three cards. Use them regularly and pay off in full. Don't get close to the limits on any of them.

vintagegirl

Thanks for your reply. Of the 27 accounts, some are mobile contracts, insurance and British gas etc. 5 are credit cards and none are upto or near their limits.

Experian_company_representative

Keep balances on cards and mail order to less than 25% of the limits, pay more than any required minimum payment (cards) and you won't go far wrong.

James