Credit Score Advice

whunt18885

Hi to all,

I am a 30 year old male with the same IT technician (£16k PA) for the last 3 years. I have a rented house which I have been in for the last 3 years (owned by my parents) and I have been on the electoral register since I moved in.

I currently have £4k of debt over 3 credit cards but that is it. For the last 4 months I have hit every payment on time (usually twice the minimum payment or more if I can afford it). I have a contract phone with every payment made via DD and all my gas / water / TV / Broadband is DD again all paid on time.

A few years ago I got myself into a spiral of debt, basically could not make a living and ended up getting 1 default, 2 missed payments and a late payment of 3 months.

I have checked my credit score with checkmyfile and I have a credit score of 556 and a public score of 885.

My girlfriend and I would like to buy a house in 18 monhts time, the credit score states that all bar 1 default (although showing as satisfied/closed) will have expired by that time so in thoery I should have a better score.

Assuming I keep making payments on time, don't take any more credit and don't change personal circumstances would it be possible to get my history up to say 670-700 in 18 months when taking into account a big chunk of my negative history will be well over 6 years old by then and off my file?

We will be applying for a joint mortgage (£31k combined) and my girfriend is EU citizen who has lived here for 8 years will full right of abode, she works full time and has a squeaky clean credit file with only 1 credit card paid off in full every month and a contract phone paid via DD every month.

All the utility bills are in my name.

I should also add that we will be looking to buy a property for £80k and we will have £20k deposit in savings by that point so hopefully that should aid our chances.

Please advise.

Kind Regards