We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Can I ask you a question?
Options
learntmydebtlesson
Posts: 49 Forumite
Hi all
Any advice, thoughts or past experiences, muchly appreciated!
Me and my OH visited the Britannia BS at the weekend to enquire about a mortgage, I didn't want to be credit checked that day because I have recently paid off 3 accounts and wanted this to be reflected on my file. So, we are going back next week on Tuesday. The advisor looked at all the figures with us and spoke to the underwriter, basically, we are putting down at £10k deposit and borrowing a lot less than we perhaps could do, we have debt but it's all still looking rather affordable on paper, we have been told in a round about way, that as long as we both pass the credit check next week, we're there.... So here's the potential problem and question:
My OH has a perfect credit score and record but mine has been damaged, I have missed payments on my file and my overall score on experian is currently 613 out of 1000. I know that all companies score differently so it's impossible to say but do you think this will pass and get us this mortgage? I am so annoyed as my future depends on a score that I wish I could have avoided getting low!
Thank you in avance for any advice....
:beer:
Any advice, thoughts or past experiences, muchly appreciated!
Me and my OH visited the Britannia BS at the weekend to enquire about a mortgage, I didn't want to be credit checked that day because I have recently paid off 3 accounts and wanted this to be reflected on my file. So, we are going back next week on Tuesday. The advisor looked at all the figures with us and spoke to the underwriter, basically, we are putting down at £10k deposit and borrowing a lot less than we perhaps could do, we have debt but it's all still looking rather affordable on paper, we have been told in a round about way, that as long as we both pass the credit check next week, we're there.... So here's the potential problem and question:
My OH has a perfect credit score and record but mine has been damaged, I have missed payments on my file and my overall score on experian is currently 613 out of 1000. I know that all companies score differently so it's impossible to say but do you think this will pass and get us this mortgage? I am so annoyed as my future depends on a score that I wish I could have avoided getting low!
Thank you in avance for any advice....
:beer:
Still in debt but with a positive attitude and enjoying watching it decrease each month. :beer:
0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 350.8K Banking & Borrowing
- 253K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.8K Work, Benefits & Business
- 598.6K Mortgages, Homes & Bills
- 176.8K Life & Family
- 257K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards