Mortgage advisor - help!

funkysi

Any mortgage advisers able to lend an ear?


I'm in the process of getting my credit score at its best - I'm almost there except for a note on my Barclaycard account to suggest that I've got an AP (started in 2008 and finished in 2013 when the card was put back into use). There are however now AP markers at all, no late payments and the card is still in use with an increased limit which has now been paid off.


Upon speaking with Experian earlier today, they tell me that it has zero effect on my credit score, but would lenders take a dim view? I will have no other defaults or any bad payment history at the time of applying.


The Experian person suggested that lenders will be able to see that I had an arrangement even though all payments have been made with no defaults/lates/ anything.


Is something like this likely to affect my ability to obtain a mortgage? My credit score is good.

marksoton

First off, forget using Experian or their people for advise. They don't lend money.

They're credit scores are pointless and mean nothing.

Collect your Credit reports, wage slips and any supporting paperwork and engage a good mortgage broker. They'll soon tell you.