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Training as a mortgage advisor help please
bunnymtg
Posts: 54 Forumite
Hi there,
I had worked as a finance administrator for a mortgage advisor before having my daughter a year ago. I was self employed and have no desire to work back there as its a long commute.
I desperately want to complete my CeMAP training and work within an office or perhaps even an estate agents offering mortgage services.
Please do not judge. I don't have a very squeaky clean credit report. I have one default with Halifax which I am about to start to try and get it removed as I believe it was made up of unfair charges. Going back around 3 years ago.
I also have a missed payment on my Very account which was a complete slip up (just had my daughter and rough times) I paid it as soon as I realised. I wrote to them but they wouldn't take it off my credit file. I immediately closed my account with them. After being with them 4 years and not missing one payment.
That's the bad part on my credit report. I know credit scores don't count for anything but on my Noddle file its very poor!
I have 2 credit cards and contract phone which I've never missed a payment.
Anyway I wanted to find out. Do I have to register with the FCA? Will I have to do a credit check? Will my very poor credit score jeopardise this? I don't want to spend all my hard earned money training only to not be able to practise!
Thank you in advance
Rachel x
I had worked as a finance administrator for a mortgage advisor before having my daughter a year ago. I was self employed and have no desire to work back there as its a long commute.
I desperately want to complete my CeMAP training and work within an office or perhaps even an estate agents offering mortgage services.
Please do not judge. I don't have a very squeaky clean credit report. I have one default with Halifax which I am about to start to try and get it removed as I believe it was made up of unfair charges. Going back around 3 years ago.
I also have a missed payment on my Very account which was a complete slip up (just had my daughter and rough times) I paid it as soon as I realised. I wrote to them but they wouldn't take it off my credit file. I immediately closed my account with them. After being with them 4 years and not missing one payment.
That's the bad part on my credit report. I know credit scores don't count for anything but on my Noddle file its very poor!
I have 2 credit cards and contract phone which I've never missed a payment.
Anyway I wanted to find out. Do I have to register with the FCA? Will I have to do a credit check? Will my very poor credit score jeopardise this? I don't want to spend all my hard earned money training only to not be able to practise!
Thank you in advance
Rachel x
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