Basically we shut down all our credit cards in January, figuring that a load of credit to our name would be a bad thing & we'd be looking at buying a house from April onwards.
I read yesterday that this could possibly be a big mistake & harm your credit rating/score.
We've not registered on Experian yet. I'd have to pay £15 anyway but the missus would get it free. We have both registered on Noddle though. She is 4/5 on their scoring, but i'm only 3/5 which i'd obviously like to raise to 4/5 & hopefully 5/5.
Would opening a credit card now as we're so close to getting into buying a house & getting a mortgage (each of us) & then using it occasionally & paying it off in full still be a good idea, or is it kind of late now to be applying?
I read yesterday that this could possibly be a big mistake & harm your credit rating/score.
We've not registered on Experian yet. I'd have to pay £15 anyway but the missus would get it free. We have both registered on Noddle though. She is 4/5 on their scoring, but i'm only 3/5 which i'd obviously like to raise to 4/5 & hopefully 5/5.
Would opening a credit card now as we're so close to getting into buying a house & getting a mortgage (each of us) & then using it occasionally & paying it off in full still be a good idea, or is it kind of late now to be applying?