I've just found out today that all those payday loans with PaydayUK i took out and paid back fully on time thinking this would boost my credit rating will now threaten my chances of getting a mortgage.Apparently they will read my credit file and discriminate against even settled pay day loans. Big shock. They wont be wiped from my file until 2016. Is there any way i can explain to the underwriter or even get these removed because (to me) PaydayUK lied about it improving my credit score. I was told (back then when my credit was poor because i had no credit) doing this would give me some boost to my credit score to show i can pay back a loan on time and in full. How stupid was i falling into the trap when it first got popular in the UK. I guess there's nothing i can do but wait 3 years for these "Credit Score boosters" to be wiped of my file. T