Hi I have had a mortgage promise from my broker and halifax on a house that is 150K I am putting down a 5% deposit and the boys at 10 downing street are putting down 20%
How ever i looked on my credit file with experian and it says i have a default from 8/12/07 that is satisfied. also there is an account that says 6 payments late ! even though the account was settled and closed in 2009.
Number of credit accounts (including those settled)8
Amount of available credit (excluding mortgages) £1,700
% of your total credit being used (excluding mortgages) 0%
Amount of outstanding debt (excluding mortgages) £1,466 (barclays loan nearly ended)
Number of accounts overdue 0
Number of missed or late repayments in the last year 0
So i owe very little and my payments are good but will these 2 blips on my file default in 2007 and 6 payments late in 2009 effect my chances?
Also a search from bank of scotland has just shown up is this a halifax search??
The advisor at the estate agent seems to think it will be no problem however i get paranoid!
How ever i looked on my credit file with experian and it says i have a default from 8/12/07 that is satisfied. also there is an account that says 6 payments late ! even though the account was settled and closed in 2009.
Number of credit accounts (including those settled)8
Amount of available credit (excluding mortgages) £1,700
% of your total credit being used (excluding mortgages) 0%
Amount of outstanding debt (excluding mortgages) £1,466 (barclays loan nearly ended)
Number of accounts overdue 0
Number of missed or late repayments in the last year 0
So i owe very little and my payments are good but will these 2 blips on my file default in 2007 and 6 payments late in 2009 effect my chances?
Also a search from bank of scotland has just shown up is this a halifax search??
The advisor at the estate agent seems to think it will be no problem however i get paranoid!