Please can somebody point me in the right direction?

Vanda2

This site is a maze. Amazing but still a maze

I have got my free credit report (30 day trial) and I have no idea what to do with it. There are a few credit cards etc. on there that I think I can cancel etc. but I need to know what I'm doing & why I'm doing it. Please would some kind MSE show me a link to what I'm supoosed to be doing Like a step by step guide or something similar (if one exists) :A

Thank you inadvance

Phantom_Flan_Flinger

If you've got old cards that you want to cancel, just phone up the companies concerned and do it.

Having old cards with no balance shows to credit checkers that you may have a large 'available credit' which might reduce the credit limit you get offered.

Apart from that and checking that everything is OK on the report, there's not much more you can do with it.

Vanda2

Thanks Dave,

Can I do that with a couple of the catalogues I have on it too?

Stephen_Leak

Yes. Credit card = available credit. Catalogue = available credit (and a very expensive way of buying things, too).