90% Mortgages

claire2609

Hi,

Just wondered if anyone could advise if there are any 90% mortgages oout there when you have late payment & 1 default on your file.

We are well within the affordability & other than the above have no other adverse debt/credit.

Late Payments are over 6 months old & default is with Vodaphone after 3 late payments becuase the Bill was in query amounts to £50.00

I appreciate its hard to advise with little information, but thought Id ask...

Thanks for your help.

kingstreet

How many late payments? When? Do they look like this;-

001001010 or 0002101001?

What was the date of the default and its date of satisfaction?

claire2609

3 Late Payments - All (1s)

Default settled in June 2012

Thanks

kingstreet

claire2609 wrote: »

3 Late Payments - All (1s)

Default settled in June 2012

Thanks

Registration date as well, please.

Is this stuff visible on all three versions of your credit file?

claire2609

I have Equifax.. awaiting the PIN for my Experian, which other one should I get?

Registerian Date Feb 2012.

Thanks

kingstreet

Call Credit.

https://www.callcredit.co.uk/stat-report-online/index.php?action=basket_add&tpl=setRegister&package=63&amount=1&mode=clear

£2 paper statutory files are fine for this. Don't sign up to subscription services and don't buy into the CRA "credit score" nonsense. Lenders look at the raw data and take no notice of a number dreamed up as a way of generating income for a CRA.

Vodafone

Hi claire2609,

It's just a quick post to confirm that I've replied to you in your other thread here.

Thanks,

Lee

Web Relations

Vodafone UK