Hi All,
I'm going to go through the facts and I'm looking for advice please.
End game I obviously want to be debt free and buy a new house as I've got 3 kids
and the Mrs in a 2 bedroom terrace
. I want my kids to have some room, garden etc.
The things I had growing up.
I'm 34, 3 kids, house with mortgage equity of around £10,000
Current Experian credit score of 117.
7 credit cards = £22k
1 loan = £3k
1 Overdraft = £2k
18 months back my credit score was 900+ with around 5 years of no missed payments.
I was had my own company and things we