Personal Loan - When is a good time to apply? What are my chances?

Japtastic

I have been looking at getting a loan for £18,000 for a little while now but with everything that is happening with the banks and current financial climate is now a good time to apply for a loan or shall I give it a few weeks for everything to settle down?

My current details are self employed earning 35k a year

2 credit cards - 1 gets paid off every month 2000 limit, the other I'm in and out of and sometimes doesn't get fully paid off 1400 limit

Overdraft £500 but rarley used

Home Owner

No other loans

My credit is very good and just got a score of 986 on credit expert, the only small blemish is 2 missed payments in a row a year ago on the mortgage from my partners account, which in fact was a mix up that was the mortgage company's fault an I am trying to get them to removed the missed payments from my credit history but I have been back and forth with them for the last 2 months so don't expect this to be sorted before I want the loan.

What do you rekon my chances are, I don't want to try now and get a footprint on my credit file to be told I should have waited a few weeks and then have to apply again as I am told applying for credit too many times in a short period can effect you aswell.

Any opinions/advice welcome

~Beanie~

I don't think that waiting a few weeks will make any difference. The current credit crisis will take a lot longer than that to settle.

Japtastic

Well that's a bit of good news! Decided to call the mortgage company again and kick off , and after all my arguing they have finally agreed that it was their fault and to remove both missed payment marks from mine and my partners credit file

So my credit file is now perfect, I can easily afford the payments which can be verified against my bank statements, does it look hopeful? Any one with some inside knowledge?

Thanks