Some advice please

Moneywise96

Hello,

I'm a regular reader of the forums so thought it was about time I signed up!

Anyway, I'm looking for advice on how to improve my credit history.

I'm currently 18 have managed to open an account with barclaycard, aqua & also a next directory account as well as a tesco mobile sim only contract

Barclaycard initial - £250 limit
Aqua Advance - £100 limit
Next directory - £150 limit

I'm looking to apply for a loan sometime in the future to purchase a car for around 6,000 I just wondered how you guys would suggest I could improve my credit rating?

Any advice would be greatly appreciated!

Thanks!

Hazzinho

Get on the electoral roll and make more than the minimum payment each month. Your total debt including the loan needs to be under 50% of you annual salary. Also ignore the score as lenders don't use them and they are worthless, only you see it.

Moneywise96

Hello,

Am on electoral roll and do not yet have loan, only just got these accounts opened how long should I leave it before I go for the loan?

Many Thanks