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what is better for my credit file?
T_175
Posts: 2 Newbie
Hi guys,
I'm in the process of clawing back my credit rating after a default (that I have been challenging for over a year.. but that's another story)
I have a credit card (unrelated to the default) that I don't really use, it has a £3k limit and it has had a £0 balance for a good few months now.
Would it be better for my to close the credit account and have a settled account on my file or keep the card and have the greater credit availability?
I'm hoping to get a mortgage at the beginning of next year which is why I'm a bit desperate for as many positive factors on my credit file as I can get !!
Thanks in advance everyone
I'm in the process of clawing back my credit rating after a default (that I have been challenging for over a year.. but that's another story)
I have a credit card (unrelated to the default) that I don't really use, it has a £3k limit and it has had a £0 balance for a good few months now.
Would it be better for my to close the credit account and have a settled account on my file or keep the card and have the greater credit availability?
I'm hoping to get a mortgage at the beginning of next year which is why I'm a bit desperate for as many positive factors on my credit file as I can get !!
Thanks in advance everyone
0
Comments
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Keep the card, use it regularly, clear in full each month.0
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Thank you! I'll do just that0
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