Hi,
I have a hopefully simple question. Next year my last default will drop from my credit file. Which will then show a good file. I have a charging order on my current property of £5 per month, the CCJ dropped off. I owe around £3000 on the charging order.
I have about £20,000 of equity in the house, and would be looking for around about a 85% mortgage.
My big problem is payday loan agreements on my report from 3 years ago. Never missed a payment, but there's about 8 of them there over the year - it was a bad one.
What advice would you give in order for me to improve my chances of a new mortgage on a different property, selling my current home.
Many thanks
I have a hopefully simple question. Next year my last default will drop from my credit file. Which will then show a good file. I have a charging order on my current property of £5 per month, the CCJ dropped off. I owe around £3000 on the charging order.
I have about £20,000 of equity in the house, and would be looking for around about a 85% mortgage.
My big problem is payday loan agreements on my report from 3 years ago. Never missed a payment, but there's about 8 of them there over the year - it was a bad one.
What advice would you give in order for me to improve my chances of a new mortgage on a different property, selling my current home.
Many thanks