Mortgage application failed at credit check - advice please

cjmillsnun

The other thing to bear in mind is that the ratings mean precisely nothing as the lenders don't see them. They are only concerned with the information on the file.

Kc18

Hello
If you don't mind me asking did you manage to get this sorted with Halifax.
We are currently looking at getting our first mortgage within the next year or two (max 2 years) however after checking my credit score I am slightly concerned about my late payments on some online stores, worst of it was a about 3 years ago back when my credit score was not something I was thinking about, these are the only form of debt I have had and I am currently applying for a credit card to try to boost my score but I am concerned this is going to be a little bit to late now.