The best thing to do with debt is to face it head-on. Find out where you stand by checking your credit report. We recommend using checkmyfile – it’s the UK’s most detailed and trusted credit report. There’s some surprisingly simple things you can do to boost your credit file, including correcting any errors and updating your details. Read more in our Guide: Simple tips to Change your Credit history Before applying getting a great Mortgage.

Ensure that you might be investing no less than the minimum in your borrowing from the bank notes per month. The greater you can spend the money for better, and you can paying it entirely is the best.