Hi
these are embarrassing to admit as I fully accept how bad they look but just wondered if anyone could tell if our chances of a mortgage are next to none with this on my file.
2011 010120100010
2010 101010010100
2009 00000010
These were from one card that was no longer in use with a minimal balance (looking back should just have cleared it!) which was still registered at a previous address so was pretty much guess work with payments (should have set up a direct debit and changed address I know)
Does it help us any that I had another two cards at the same time which are all in the green for the last 4 years? All accounts are now settled and no longer have any debt (Finally!)
Thanks :)
these are embarrassing to admit as I fully accept how bad they look but just wondered if anyone could tell if our chances of a mortgage are next to none with this on my file.
2011 010120100010
2010 101010010100
2009 00000010
These were from one card that was no longer in use with a minimal balance (looking back should just have cleared it!) which was still registered at a previous address so was pretty much guess work with payments (should have set up a direct debit and changed address I know)
Does it help us any that I had another two cards at the same time which are all in the green for the last 4 years? All accounts are now settled and no longer have any debt (Finally!)
Thanks :)