Posted this yesterday in the debt free page, realised it would be much better in here.
Currently in the process of getting a mortgage through Halifax. AIP agreed for 90% LTV, upon full application it has been referred to underwriters due to a default on my credit record dated 06/06/2010. I had no idea this existed, and called to pay it right away. Trying to get Santander to remove this from my credit file (they have this registered at my previous address) and getting nowhere with them so far.
Would anyone know my chances of the application being approved? My current credit score on Experian is 761, which classes me as fair. I assume that without this default against my record it'd be a good bit higher.
Thanks
Currently in the process of getting a mortgage through Halifax. AIP agreed for 90% LTV, upon full application it has been referred to underwriters due to a default on my credit record dated 06/06/2010. I had no idea this existed, and called to pay it right away. Trying to get Santander to remove this from my credit file (they have this registered at my previous address) and getting nowhere with them so far.
Would anyone know my chances of the application being approved? My current credit score on Experian is 761, which classes me as fair. I assume that without this default against my record it'd be a good bit higher.
Thanks