Noddle help

Vicky.s

I dont think going bankrupt is a good idea

Vicky.s

Hes a independant mortgage advicer , havent joined anything only signed up today

[Deleted User]

Me neither.

So let's forget about scores going up and down and round and round, and make sure you have a good broker who will look at what's on your files and place the application accordingly.

Vicky.s

Ok thank you

Jlawson118

Noddle scores always seem to be low for everybody. This put me off applying for credit at first but I started to realise other credit reference agencies always gave me a higher score. However, as most people say, it isn't really the score that matters, it's more what is actually on your credit report that matters.

There's nothing there saying that you can't get a mortgage, apart from if the bank told you that they wouldn't give you one. Otherwise a credit rating isn't going to tell you that

datlex

Credit scores can in theory be effected by your credit card balance when it is produced. So for example if you have a £1000 limit and normally use £100 but this month used £300 it would look like you needed more credit. It won't worry about why you need more or what you used the card for.