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Late payments 2 years old.
jollymolly_2
Posts: 22 Forumite
So I have just checked my credit file. For 2 years now I have never been late with a payment on my store card. Prior to this I had quite a few late payments. Will lenders take into account that I have improved over the past 2 years? I have a secure job, earn just under £30k and partner has excellent credit history. Thanks in advance! 
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Comments
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They might do depending what you are asking to borrow. If you want 2 x earnings at 60% LTV then you present a much lower risk that if you want 4 x earnings at 90% LTV.0
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