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Anything else i can do?
robboa
Posts: 28 Forumite
So i've had bad credit in the past.
3 defaults from 3 and a half/4 years ago all paid off in the last couple of years.
I've got a vanquis card with a £150 limit on which i spend under £15 each month and pay the full balance off when the statement comes through.
I've got an MBNA card with a £500 limit which i spend under £50 each month and pay the full balance off when the statement comes through.
My o2 loan for a phone has finished this month and i have elected for a sim only deal going forward.
So my question is can i be doing more to improve my credit history file to look better to prospective lenders. Should i be getting other credit products to improve.
I'm on electoral roll, never miss a payment anymore.
3 defaults from 3 and a half/4 years ago all paid off in the last couple of years.
I've got a vanquis card with a £150 limit on which i spend under £15 each month and pay the full balance off when the statement comes through.
I've got an MBNA card with a £500 limit which i spend under £50 each month and pay the full balance off when the statement comes through.
My o2 loan for a phone has finished this month and i have elected for a sim only deal going forward.
So my question is can i be doing more to improve my credit history file to look better to prospective lenders. Should i be getting other credit products to improve.
I'm on electoral roll, never miss a payment anymore.
0
Comments
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Two cards is enough to build some solid history.
Time will do the rest.0
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