You should know, Jimmy, that your credit 'score' means nothing. It's for your eyes only, lenders don't get to see it. It's your payment history and the size of your liabilities that count.
My understanding was that a credit score is a numerical representation of the tool that lenders use to assess you as a credit risk?
However, as I haven't missed a payment on anything in the last 8yrs or so and have shed a BMW's worth of debt. I think I'll be in reasonable shape.
Finance is a no brainer these days it's so cheap. Once I'm up n running I'll transfer some of the loan onto a credit card. Sainsbury's are currently running a 0% card with 0.9% fee forn33 months. So about 1/3 of a percentage point per yr. so long as you're disciplined about paying it off in time, it's interest free finance.
and yes M'lud, it will be running on lamp oil.