Last year I had a max of 4 loans, 1 credit card, and one store card. I only had one missed payment on the store card, which I paid on the 8th of the month. I have consolidated 2 of the loans, and settled the other 2 in December. This brings me down to just 1 loan, a credit card, and a store card.
I want to apply for finance, and to my understanding I don’t have a bad credit record or a bad score, it’s just that before I had too many credit obligations.
My question is should I go ahead and apply or should I wait a bit. I do not want to apply now and still be declined because I will not be able to wait for another 6 months.