📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

credit check

hi all

looking to move house, just done credit check on myself, got a score of 894 on experian.

payed mortgage / phone / loan/ credit card by direct debit never missed a payment but have 1 credit card not on direct debit and was late paying it on 6 occasions. i now know how stupid this was just did not bother / get time to get into branch to pay it on time.

as it is only on one debt and everything else was all paid on time will this be a major problem in obtaining credit / mortgage?

thanks in advance
dfw nerd no - 1187

Comments

  • Tixy
    Tixy Posts: 31,455 Forumite
    Hi Pumpkin

    This should not be a huge issue. Obviously it means your record isn't perfect but many people's are not (and many are a lot worse than this).

    That said as you are probably aware it is becoming much more difficult to get mortgages, will you have a reasonable deposit / equity to put towards your new house - this will be a much more important factor.
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • we will have 25% min come february
    dfw nerd no - 1187
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.4K Banking & Borrowing
  • 253.3K Reduce Debt & Boost Income
  • 453.8K Spending & Discounts
  • 244.4K Work, Benefits & Business
  • 599.7K Mortgages, Homes & Bills
  • 177.2K Life & Family
  • 258K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.