We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Very account on credit file
lee8040
Posts: 554 Forumite
My credit rating is bad ATM and I'm looking to fix it as I will need to get a bank loan soon, we have just finished paying off our very catalogue account. Does this look good on our file that we have a limit of £600 and owe nothing or would it look better if I got the account closed? Does it look bad that I have credit available
0
Comments
-
Could go either way.
What is not good about your file?:beer:0 -
Better to have it open and active with a £NIL balance than closed; assuming you don't have a litany of large credit limits elsewhere.
If you do, better to close it.Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.7K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 454K Spending & Discounts
- 244.7K Work, Benefits & Business
- 600.1K Mortgages, Homes & Bills
- 177.3K Life & Family
- 258.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards