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Improving my credit file for a mortgage

aob78 · 2011-05-17 17:54:52

For the last few years I've been regularly getting rejected for credit. I never missed a payment but I never really used credit and I move rented accommodation regularly. I have always been on electoral roll although there was a three month gap in 2007. I am given 1 star out of 5 stars on my Call Credit account. I assume…

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Queen_of_the_Hive Posts: 1,517

Forumite

21 May 2011 at 6:26PM

AOB78 - you need to be settled in a job and in somewhere to live for a period longer than you have so far. Buying in London very expensive so i'd just focus on saving for deposit right now and sorting your credit history out.

2026 financial goals & challenges!

1). Mortgage (started Jan 2024) £94,858.21 / £122,400.00 Overpayment total: £1,681.83 (Inc Sprive yr 1 & 2 o/p £70.93, £5.52 Natwest o/p & £55.34 reg monthly overpayment) Equity 35%

2). #47 Save 1p a day challenge 2026 £450 / £780

3). £2900.32/ £3000.00 - Investment ISA

4). CC debt - £21,504.77. Aiming for £19,999.99 31/12/2026.

5). £288.05 / £1000.00 - EF

6). Lose weight, get fitter and read 12 books in 12 months in 2026. 4 out 12 COMPLETED
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Improving my credit file for a mortgage

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