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Credit Report

I recently applied for a joint morgage with my hubby, and we have been refused:( We both applied for credit reports and his is fine but mine has loads of late payments....I know it's naughty and i should pay on time....What i want to know is can i put it right? or will i be stuck like this forever and not be able to get a morgage? I am gonna start paying by direct debit on everything to make sure they get payed on time.
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