What to do - Mortgage in a few years

[Deleted User]

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[Deleted User]

Keep the credit cards, use and clear in full each month. You need to build some decent history, not just close off the bad stuff.

Clear the debt as soon as you can, highest rate first.

[Deleted User]

Deleted_User said:

Keep the credit cards, use and clear in full each month. You need to build some decent history, not just close off the bad stuff.

Clear the debt as soon as you can, highest rate first.

Thank you! With regards to the bank accounts, am I best to just stick with one or does that not really matter as long as they're all in good order?

[Deleted User]

Doesn't matter. May as well keep both as a backup.

[Deleted User]

Deleted_User said:

Doesn't matter. May as well keep both as a backup.

With the closed accounts, am I correct in thinking they'll start dropping off my file within 6-10 years after being closed?

[Deleted User]

Deleted_User said:

Deleted_User said:

Doesn't matter. May as well keep both as a backup.

With the closed accounts, am I correct in thinking they'll start dropping off my file within 6-10 years after being closed?

All closed accounts disappear 6 years after

penners324

Clear the overdrafts , credi card and loans ASAP (highest interest first) as stated. No point in saving when you have this debt.