Qucik advice please

ko739

I will be trying to apply for a mortgage March/April next year so I am trying to clean up my credit file. Would appreciate some advice on two issues.

1) All credit files current show late payments on one account as below:

3 4 3 2 3 2 2 1

This isn't actually as I would of expected because I was actually on an temporary arrangement. Should I ask this to be updated to an arrangement so it is accurate or does it not matter?
I was on two other temporary arrangements at the time which show as arrangements so would it be better for consistency for them all to show the same?

2) As you can see I had some issues with credit, I ended up on arrangement to pay agreements with 3 creditors for a few months during a difficult time, once sorted reverted back to normal payments and paid these off.
All my credit issues show as 3 years old on my credit report (with the exception of some paydays over 2 years ago), we earn a total of 64k, we will have a 15% deposit on a house of 200k so looking for 170 k mortgage. Both in secure, long term employment.

Are there lenders that might consider us? appreciate I probably have no chance on high street.

Thankyou in advance

kingstreet

If it's over three years' old and 85% or less, you should have options on the high street.

A good whole market broker should be able to steer you in the right direction.