Here's a strange one, I had one credit card and a small loan. Over the past few months I have been paying the loan off in big chunks and it's now paid and settled. I also swapped my credit card over to a 0% one before cancelling it, and I've then been paying off large chunks each month. So basically I've gone down to just having one credit card with a couple of grand on it. Seems my credit rating has dropped from 997 to just over 900? I'm not too bothered at this stage as my motivation for getting these paid is to then divert my surplus into mortgage overpayments ready to move house in a few years.