Mortgage after bad credit.

[DBY]

Over the past 18 months I've managed to get my credit files in ship shape.

No defaults, payments made on time,

have a small car loan,

took out and paid off a credit card,

 

in fact my girlfriend and I have managed to save approx 15% deposit for a house.

 

How I would fair applying for a mortgage say In April 2014?

 

Will there be enough distance between my bad credit rating and my new sustained one which is approx 2 years?

 

Any help would be greatly appreciated,

[letsgetitsorted]

if you have a look at Noddle.co.uk it might give you an idea of how your rating stands at the moment....someone with more knowledge might have an idea ....but Noddle is a starting point.

hope that helps

[dx100uk]

anything which says

default

CCJ

voters etc

 

will kill your mortgage even if showed as satisfied.

 

late payment markers too.

 

if your score is 5/5 then you should be ok

[dx100uk]

and that's for both of you if joint.

 

dx

[DBY]

anything which says

default

CCJ

voters etc

 

will kill your mortgage even if showed as satisfied.

 

late payment markers too.

 

if your score is 5/5 then you should be ok

 

I have none of those anymore - all gone off my credit files 2 years ago. What I have now is all good.

Not sure what you mean about voters?

[maroondevo52]

Not sure what you mean about voters?

 

The electoral register, can I just say Noodle is gash if your checking anything I'd go with Equifax or Experian.

[DBY]

The electoral register, can I just say Noodle is gash if your checking anything I'd go with Equifax or Experian.

 

Yes my electoral register is up to date and I use both experian and equifax which show everything in order.