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Mortgages and CCJ

JemmaWay
JemmaWay Posts: 16 Forumite
in Debt-free wannabe
I need some advice,

I recevied a CCJ in 2009 which I paid of in Jan 2012 I have received a Certificate of Satisfaction and my credit rating is fair. I have recently applied for a small loan to buy a car which was rejected and now im extremely worried that when my boyfriend and I go to buy a house this time next year the mortgage wont be excepted.

Could you give me some advice on this topic, if anyone has been through the same is there any guidence that I should follow?

Are there any steps I can take to help myself out for when the time comes?

Comments

  • DVardysShadow
    DVardysShadow Posts: 18,949 Forumite
    Best to ask on the Mortgages and Endowments forum http://forums.moneysavingexpert.com/forumdisplay.php?f=15, where the mortgage experts hang out. You need to be specific about amounts involved in the CCJ and why it took so long to pay it off and any other issues on your credit record - and also about your bf's own credit record.

    If you do take the question there, come back here and say you have reposted.
    Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam
  • rising_from_the_ashes
    rising_from_the_ashes Posts: 12,433 Forumite
    10,000 Posts Combo Breaker Home Insurance Hacker! Debt-free and Proud!
    OP has indeed posted on the Mortgages board ....... https://forums.moneysavingexpert.com/discussion/4001947
    Grocery Challenge £211/£455 (01/01-31/03)
    2016 Sell: £125/£250
    £1,000 Emergency Fund Challenge #78 £3.96 / £1,000
    Vet Fund: £410.93 / £1,000
    Debt free & determined to stay that way!
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