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Confused! Close credit accounts before applying?

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shell88
shell88 Posts: 66 Forumite
in Mortgages & endowments
Hello,

I've posted a few times on here now but I'm still a bit confused! I will be applying for a mortgage next April/May with my partner. I have paid off my credit card and catalogue account, however I have read that if I close these it will have a negative affect on my credit file, is this correct? I have no other outstanding debt.

I know that the credit score doesn't mean anything, but it must be detrimental to mortgage application if it reduces when you close accounts?

My thinking is that as I have had a not so good credit history, applying with no debts would be more favourable?

Any help would be much appreciated!

Thanks
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