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Total non-mortgage credit balance?

CurryCee
CurryCee Posts: 33 Forumite
in Credit file & ratings
Hi all,

Just last night I decided to start my 30-day trial of Experian to find out my credit rating; I'm looking to learn more about the intricate workings of my finances.

I've never had a credit card before, but it says I have a total non-mortgage credit balance of £305 across my current bank (£280), and my phone provider (£25).

My phone is paid off via direct debit every month, but I'm not 100% sure what the £280 with my bank is...

At the moment my score is 'fair', so I think the logical next step is to get a credit card to put me in 'good' territory. Can anyone more knowledgeable on this subject help me steer my course?

Thanks :)

Comments

  • uncreative
    uncreative Posts: 384 Forumite
    Chutzpah Haggler Debt-free and Proud!
    It will likely be your overdraft
    Total Credit Used...=........£9,000 / £52,700
    Mortgage..............=........£138,000 , 20 Years left.
    :starmod:CC cashback for this year..=........£112.88 £205.81 banked in 2015
    :starmod:YNAB User & Mortgage Free Wannabe
    :starmod::A19/03/16
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