Ok credit rating mortgage

leftinamess

Hi,

I have a credit rating of 373 ok?

Quick question will a high street lender lend on this?

I earn a basic of 30k with an additional of 15k bonuses i have a 10% deposit and am looking at houses for 80k

Any help match appreciated......

Thrugelmir

What matters is the detail on your credit report not the score.

leftinamess

Thrugelmir wrote: »

What matters is the detail on your credit report not the score.

Thanks, any more info?

kingstreet

Obtain all three versions of your £2 paper statutory credit file (stop any subscriptions or payments for pointless "scores") and put them in front of a whole market broker.

Equifax

https://www.econsumer.equifax.co.uk/consumer/uk/order.ehtml?prod_cd=UKSCR

Experian

http://www.experian.co.uk/consumer/statutory-report.html#orderReport

CallCredit

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

They'll do a factfind and look at your credit history and establish any problems and which lenders to consider and which to discard.

You get all three because the information on each is different and lenders take information from one or two, hardly ever all three and this may help with the placement.

ethank

Do you have your credit reports? Do you have any defaults or missed payments?

leftinamess

ethank wrote: »

Do you have your credit reports? Do you have any defaults or missed payments?

Hi yes, I have all my credit reports. I have some very old defaults but the accounts are settled. One of nearly five years and another of three years.

ethank

How much are they for and to whom??

TBH, they are going to have an impact on any mortgage application especially the 3 year one.

leftinamess

ethank wrote: »

How much are they for and to whom??

TBH, they are going to have an impact on any mortgage application especially the 3 year one.

They were on a Lloyd's credit card that were all ran up by my ex wife and the old one is capital one

ethank

Was the credit card in your name?

leftinamess

ethank wrote: »

Was the credit card in your name?

Yes it was, this might sound daft but it was fraudulently used by an ex-wife which is why it got in to such a mess. She had actually managed to get me a CCJ as well but I could prove it was all her doing and managed to get it removed two years ago.


She had all my post diverted.