Hi sorry if this isnt appropriate, but wondering if any of you have borrowed money as a childminder based on your earnings only. I was trying to borrow to get rid of my credit cards cos i am wasting so much in interest on them, but they need so much info, and obviously my accounts show i earn less than i do, things like the mileage we can put down, theres no way it actually costs that much, etc, it feels like it might be an impossible task. i am doing well at the moment, but it doesnt feel like it thanks that credit cards and me not being as sensible as i should.