Very helpful information, thank you very much! Just right for me, who is always getting into debt and taking out loans. I feel like my credit score will drop completely below the lowest bar lol. I hope, of course, that never happens. Thanks to Mortgage Broker Newcastle, I only recently managed to get a mortgage with my low credit score. I want to get out of the constant cycle of debt-payment-debt. I hope that I can put your tips into practice and somehow they will work for me. Does anyone else know how to get out of the vicious cycle of debt?