Credit score aggregated or combined for a mortgage

pph

Hi -

My credit score is 470 (I missed 3 payments in 3 years and have been abroad so only on the electoral roll for the last 6 months).
My girfirend has a credit score of 750

Are our scores aggregated or combined? Either way, for first time buyers with a 20% deposit, how does it look?

Can I do anything about my lower score? They don't look so negotiable!

Cheers!

Gwhiz

Fill your boots... http://www.moneysavingexpert.com/loans/credit-rating-credit-score

pph

Hi - thanks but it doesn't answer the title question (that I saw).

Also, I think that the missed payments that have led to my lower score are pretty non-negotiable with Equifax?

LandyAndy

If I was a lender I would take the lower score.

DVardysShadow

pph wrote: »

Hi - thanks but it doesn't answer the title question (that I saw).

Also, I think that the missed payments that have led to my lower score are pretty non-negotiable with Equifax?

You do know that these scores are virtually meaningless, don't you? Every lender has its own method of credit scoring, so these results are only indicative of how a lender might rate you.

jellyjelly84

Hiya! My fiance and I are in exactly the same situation, my credit rating is 589 and his is pristine, we've spoken to the sinancial advisor in the estate agents and he is getting back to us tomorrow, he told us a 25% deposit would significantly imprve our chances, which fortunately we've got, but my credit rating is so bad (well on experian it says poor) i'm not olding my breath. Good Luck!!:)