Credit score for mortgage

AJC1562

Hi,

I am looking to take out a new mortgage.  I have credit card debt and a personal unsecured loan.  I have managed to save enough cash to pay one of these off, which would be better for my credit scoring to pay off first ? (credit card is 0%).

ACG

If you clear a balance today it wont be reflected until your report updates which could be next month. 
It might not even get picked up on a DIP as some of them can be up to 3 months out of date. 

Pay off whatever your preference is, if affordability is fine it wont make too much difference anyway unless you are very borderline. 

Mark_d

I think you should look to pay off your loan first because that should make the biggest difference to you affordability for the mortgage.