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Credit is bad. If scores run from 0 - 100, I would say a safe bet is a score of 0.
Definitely talk to a proper financial adviser but in my experience; debt isn't a bad thing so long as you can show you've been paying it off, if you've been naughty & missed a few payments it might be a different story. Remember they want someone that they can make money out of, paying interest on a few credit-card debts makes you a sure fire profit (so long as your record doesn't have lots of red boxes on it).
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How do you know your credit score is bad?
Debt does not necessarily equate to a bad credit score.
As a point of note - scores / ratings are also entirely arbitrary and proprietary to the lender. It's unlikely that you will be told what the criteria are for being loaned to, although some lenders may discuss details with you when you apply for more debt.
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Lw.
NotThamesWater
@ 
Credit is bad. If scores run from 0 - 100, I would say a safe bet is a score of 0. Deposit is not from saving.
Should I talk to Jeez?
I'm sure debt could be taken care of by next year, but with fucking prices going up 24% a year, it's the equivalent of throwing away around 10k of 40k deposit (and, obviously, paying 25% more). The entire thing is mental.
I'm just going to buy a fuck load of blow.