Hi there I applied for a mortgage last week with halifax but got declined. Upon checking my credit file goth registered a default that was satisfied. The debt had nothing to do with me and got it removed from experian and equifax. This is the main reason for the decline and the there were concern over amount of credit searches. The default shows on noodle still not sure about call credit. From the information below do I now stand a good chance of acceptance? Age 20 Salary fixed employed 28k year over 4 years employment same company. House new build for 150k Deposit 7500 Help to buy scheme 20% gov loan. 7 credit searches in past 12 months 4 this year. No ccjs, defaults, missed payments, finacial associations. I also think I might have a CPD (credit policy decline with llyods will this make a difference? No account with halifax) 5 credit cards, around 500 debit (just cleared £500 yesterday) and three mobile phone contracts. I just think if I pass first stage the underwriters will reject because of age. Though I'm keeping upbeat. Single application