Unsettled default / Mortgage application

Frogmorton_2

I am new to this forum so forgive me if this kind of question has been asked before

I am 43 years old and hope to try for a joint mortgage before the end of the year - living in rentals at my age is a bit tiring and my parents have assured me of a deposit of around £20,000 to £30,000 which in my part of the world is not bad for a small starter home for hopfully a mortgage of about £100,000.

the thing is my (our) credit files. I have been cleaning my credit files this year and a number of defaults have been removed form my experian file (although not the quifax file) and my score has gone up from 212 ro just under 800 in 9 months. I have just paid a loan off so that should go up a bit further think. I now have no debt. yay.

However my partner who's score has also gone up has an unmsettled default (bank of ireland old credit card long since forgotten and not pursued by them for it) fro £2,000. He / we are not in aposoiton to paut his off at once. There seems to be a difference of advice about whenter an unsettled or settled defaul makes a difference when applting for a mortgage. what do people think.

Experian_company_representative

Has responded to this query on a separate thread.

James Jones