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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
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Comments
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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
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