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Credit Score

It depends. Having many credit cards with unpaid debt will affect interest rates when applying for a private/car loan—the same for having done loads of credit checks (kreditupplysningar) in the past 12 months.

1-3 credit cards without debt will not significantly affect applying for a mortgage.

A suggestion is to check out the app "Kreddy", where you can follow your current credit score.
 
From my experience it’s the total available credit that’s important when applying for a new loan or new credit, not the credit utilization rate. For best credit score you should have no current loan or credit and 0 credit checks the last 12 months.
 
HenrikAI skrev:
From my experience it’s the total available credit that’s important when applying for a new loan or new credit, not the credit utilization rate. For best credit score you should have no current loan or credit and 0 credit checks the last 12 months.
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And of course a really high taxable income.
 
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