Someone to look at my credit report and tell me what they think

Jane91

Someone to look at my credit report and tell me what they think, Ive been in a mess a few years ago but its all straightned out now, most of them come off this year but im wanting to get financially sorted and hopefully a mortgage.

Ive got the report i just dont know who would look at this?

NorthernMonkey83

in what respect do you mean you want someone to look at it?

if your straight with your debts and they are paid they should now show as settled and be highlighted in green:j

Candyapple

When you say most of them come off this year, do you mean defaults/CCJs?

How many other banks/loans/card accounts do you have showing?

Have there been any late payments?

What is your debt to credit ratio?

Jane91

All of them are shown as settled, the defaults come off my file in July all but 1.

I just wondered if im better seeing a financial advisor or if my bank would look at them.

I think its just the possibility of getting the mortgage or if i need to just save and rent a home, just reassurance im heading in the right direction i suppose

NorthernMonkey83

if they are settled you should be ok... i'd personally try and clear the one thats still not then let the dust settle.

Candyapple

Jane91 wrote: »

All of them are shown as settled, the defaults come off my file in July all but 1.

I just wondered if im better seeing a financial advisor or if my bank would look at them.

I think its just the possibility of getting the mortgage or if i need to just save and rent a home, just reassurance im heading in the right direction i suppose

No point asking your bank, and if you want to waste money on a financial advisor when you’d get pretty much the same info as from here or on other forums, go ahead.

Try answering the other 3 questions above I asked first.

When does the last default/CCJ come off your file?

When are you looking to apply for a mortgage?

Do you have a large deposit saved?