[Question] Agreement to pay & getting a mortgage.

Danny_uk5

Hey there,

My wife has an Ap on her credit score and I would like to know how this would effect our chances in getting a mortgage.

Thanks!

Ben8282

An arrangement to pay will have a detrimental effect yes

boo_star

Definitely worth speaking to a broker and perhaps posting this over on the Mortgage boards, there are some brokers over there who deal with adverse information who can tell you if it can be placed. I expect it can.

Willing2Learn

An AP marker is a pretty toxic marker to have been recorded on a credit file. This is because it indicate to lenders that your wife broke the terms of her original credit agreement and set up an acceptable alternative arrangement to repay the debt. How many times is the monthly AP marker recorded on her file?