Two defaults-from phone company, will this affect mortgage?

Kay990

I've had two defaults from not paying my mobile phone contract bill.
I had some mixed responses from another forum stating if its for a mortgage application, they'll just shove it under the carpet and will not be too bothered.
If my business flourises or if I get a contracting job and save bit and try to get a mortgage in two years, how likely if I have consistent regular income coming in and I've been paying my bills from now on and my credit score improves a lot, how likely will they view the defaults? 

dr_adidas01

It will depend on how long ago the defaults are, and no they won't just shove it under the carpet defaults will make lenders very twitchy about lending to you as you may default on them.

You may have to use a specialist mortgage provider to be approved for a mortgage.

Also the score (number) doesn't mean anything as a lenders don't use it, what matters is your credit history, the way you have been paying your credit accounts, debts and defaults are not looked upon kindly.