Author Topic: Getting my credit rating back  (Read 21018 times)


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Getting my credit rating back
« on: Dec 05, 2014, 06:54:30 PM »
Hi,  with the help of Stepchange I managed to pay off all our debts this year.

Also because of using stepchange my credit rating is very low (I will need to apply for a mortgage next year)

I heard that using a credit card and paying it off every month helps,  I have a pdq machine (and a zinc terminal) can I pay myself from a card and then pay it back the next day to show I can use a card sensibly (being a good consumer etc).  Can this be taken as fraud.   I destroyed and cancelled all my cards by the way, the only one I can get now is a high interest rated one unfortunately