Hello
I am looking for some advise on whether I should try to apply for a mortgage or just keep trying to improve my credit rating. I have a low credit score which occurred whilst I was at university and just not managing my money very well. Consequently I have 4 defaults within the last 4 years, with the last default being in 2011, therefore another year and they would be all over 3 years old. I also have a CCJ for under £300. This was due to moving house I didn't get the reminders for a parking ticket until this was already in place and paid it straight away.
I know it doesn't look good, but I am now working full time, make regular payments to my credit card to increase my credit payment history and don't have anything over £500 on a credit card and non are in arrears. All happened between 2009 and 2011.
I have a £25% deposit towards a mortgage and my partner has a good credit score but does not earn enough to apply for a mortgage on his own.
I would be grateful of any advice.
I am looking for some advise on whether I should try to apply for a mortgage or just keep trying to improve my credit rating. I have a low credit score which occurred whilst I was at university and just not managing my money very well. Consequently I have 4 defaults within the last 4 years, with the last default being in 2011, therefore another year and they would be all over 3 years old. I also have a CCJ for under £300. This was due to moving house I didn't get the reminders for a parking ticket until this was already in place and paid it straight away.
I know it doesn't look good, but I am now working full time, make regular payments to my credit card to increase my credit payment history and don't have anything over £500 on a credit card and non are in arrears. All happened between 2009 and 2011.
I have a £25% deposit towards a mortgage and my partner has a good credit score but does not earn enough to apply for a mortgage on his own.
I would be grateful of any advice.