Throwaway account for reasons that will be clear. Few years ago, used to be have a 820+ credit score, earning £30k a year, had one barely used credit card that

Throwaway account for reasons that will be clear. Few years ago, used to be have a 820+ credit score, earning £30k a year, had one barely used credit card that was always fully paid off, I would struggle to get approval for loans or overdraft, etc. My depression and anxiety came back, got into reckless behaviour and drugs for a while, three credit cards, payday loans, random holidays on credit for no reason, down to 400s or so now. My banking app has started aggressively suggesting mortgages to me since last month, every time I open the app. To those worried I'm turning things around, cut down on drugs quite a bit, payday loans all paid off, £2k left in credit card debt and will start earning £60k a year once I start my new job next month.