Mortgage Rate Rises

[BUDFORCE]

If you get registered on the voters roll, most people people will have enough on there as it is without taking out any form of unsecured debts.

Hardly anyone uses a PAYG mobile anymore, so your mobile phone contract will show.

Basically all current accounts these days throw agreed overdraft limits on, which is a form of credit agreement and will show, even if you never go in to your overdraft.

Most forms of utility bill.

So without even trying most people would have those and you are already golden.

Unsecured debts are not good, they will only detriment your application.

 

[413x]

People fuss too much over credit ratings.
Other people don't fuss enough.

Its a tool to be used. Mine is never super high as I open and close accounts frequently

 

[robj20]

If you get registered on the voters roll, most people people will have enough on there as it is without taking out any form of unsecured debts.

Hardly anyone uses a PAYG mobile anymore, so your mobile phone contract will show.

Basically all current accounts these days throw agreed overdraft limits on, which is a form of credit agreement and will show, even if you never go in to your overdraft.

Most forms of utility bill.

So without even trying most people would have those and you are already golden.

Unsecured debts are not good, they will only detriment your application.

I don't have a PAYG phone and mine doesn't show on my credit report. So not all contracts show up.
I think at the time I was told to get a credit card because PAYG was common and I loved with my parents so no bills. So there was nothing other than a current account on my report.

 

[tonys]

Mortgage rate has dropped for me by £1.50 from November