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Help getting a mortgage.

Hi all.

Over the years I’ve been pretty bad with my finances. Now I’ve decided to sort it out and work on my credit rating.

I checked on this site regarding a credit card and I’ll probably get refused due to a recent CCJ.

I understand this will take time to get right and I’m willing to take the steps necessary to get a mortgage.

Now, how do I start on building my rating back up? It’s like 180 if that which is embarrassing.

What else do I need to bare in mind when applying for a mortgage?

Thanks.
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