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50k mortgage with a default on my credit file? Advice wanted.
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concrete_kid
Posts: 140 Forumite
Hope all you experts on here may be able to help me!
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Comments
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How much was the default for?0
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In addition to the default value, have you had any credit lines since the default and how have they been managed?I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it.This signature is here as I follow MSE's Mortgage Adviser code of conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
Hi.
The default was for £500. The only other credit I've had is my mobile phone contract which has always been paid on time. I've never had credit cards or loans (the default was for an overdraught).
Paul0 -
Hi Paul,
Would suggest that an adverse credit card such as Vanquis or Capital One and then demonstrate you can manage credit again..
A quicker fix than this may be hard to come by, but this will help rebuild your credit.
Log yourself on to experian and equifax and this will also give you an idea.
All the bestI am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it.This signature is here as I follow MSE's Mortgage Adviser code of conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
concrete_kid wrote: »(the default was for an overdraught).
I bet that was chilli.....Badum CHIISHH...:D0
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