I have a question about credit scores. I know that people suggest getting a low limit credit card after an IVA to help boost the numbers, but I'm avoiding that if possible. On my file I have monthly car insurance, home insurance and mobile phone contract. These are all up to date and green. So, will these help my score improve over time? They are after all credit agreements.
I don't want to take any credit so the score isn't really important in that respect but I was curious. According to Noddle I have 4/5 rating which they say is "Good"... not that means anything in reality though
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