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Found 2 results

  1. We have £22,000 Debt on Credit cards. Come September time this me and my partner will have saved enough to buy our first home. £25k Between now and then we will reduce our Credit card debt (not all) and at the moment we are paying about £500 per month on CC bills (all interest free though) What I would like to know is, instead of paying my CC bills at £500 per month, if I was to get a loan (to settle them all and cancel them) - Would this make any difference when applying for a Mortgage (as in Debt on Cards or, Debt on a Loan? £22k on cards or £22k on a Loan - Either way its the same amount.
  2. Hi Hubbers I am currently still saving up, educating myself and getting my ducks in a row in order to buy my first property, hopefully towards the end of the year. In the meantime, I would like to do whatever I can to improve my credit rating. Now there are lots of articles out there with some ideas, but these all sound like it was overheard at the office water fountain. Examples: Have as many credit cards as possible. Pay one credit card with another using Balance Transfers. Always make sure you are paying off some amount on a credit card. Never pay off the full amount on your credit card. If anyone can share some knowledge on how to correctly manage a credit card with the aim to improve your credit rating, that would be much appreciated. Thank You
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