Missd payment

[Deleted User]

We are first time buyers.In 2009 I cancelled my account with hsbc to move to barclays. However i still had direct debit for lap top insurance, which i completely forgot about.i only found out that my account has not been closed because of this and i owe them £53. I paid that straight after and closed the account. since then i did not miss any payment. will this affect my mortgage application? I'm a bit worried. I am planning to apply with hsbc

go_cat

You would need to check your credit records which you can do online for a small fee

[Deleted User]

On experian my credit score is 999, but on website called checkmyfile its only 666 which is below avarage. They mentioned there about what has happened back in 2009,and also that my age is a negative factor ( i'm 28).why its such a big difference between them?should i be worried?

opinions4u

why its such a big difference between

Because they are random number generators that charge you a fee. Ignore the numbers and action the specific issues highlighted in the report.

Different lenders score in different ways too. Some may accept you. Others may not.

[Deleted User]

How can I action it? I paid it in 2009 as soon as i only found out about it. I'm sorry I'm first time buyer and I dont know how to make my situation look better.except this i have always paid my credit card and all bills on time

MoneySaverLog

tapir19 wrote: »

On experian my credit score is 999, but on website called checkmyfile its only 666 which is below avarage. They mentioned there about what has happened back in 2009,and also that my age is a negative factor ( i'm 28).why its such a big difference between them?should i be worried?

Useless score as they both don't offer credit anyway. Each lender has their own secret scoring system.

You just need to take into account what "information" is on the report and not "the score". If the information is accurate, you cannot change it.

liamdaley

Get an all of market insurance broker and ask them for their advice about this they are really helpful and many will be paid through their commission from the deal so no direct cost to yourself.

I have been following this forum obsessively for a few weeks now and I know HSBC are about the strictest you can get, a broker will know who your best option is.