Adverse Accounts Recovery?

awowen10

Hey,
Long story short: I run bricks and mortar gym, we were adversely affected by the lockdown at the start of the year. Although we received some support, our overhead stayed the same and our revenue suffered and it was my wage that had to drop to compensate. As a result, I missed some payments and my credit score is now poor.
How long does it take to recover from this? Everything is back up to date and payments automated so from here onwards it's good behaviour only.
Is it unrealistic to expect this to recover in time for applying for a mortgage around this time next year?
Thanks

D3xt3r5L4b

Your credit score is irrelevant as no lender ever sees it. Time will fix the adverse information on your files though.

awowen10

D3xt3r5L4b said:

Your credit score is irrelevant as no lender ever sees it. Time will fix the adverse information on your files though.

Thank you for that information.
Glad to hear time will fix. Hopefully 12 months will suffice  

[Deleted User]

awowen10 said:

D3xt3r5L4b said:

Your credit score is irrelevant as no lender ever sees it. Time will fix the adverse information on your files though.

Thank you for that information.
Glad to hear time will fix. Hopefully 12 months will suffice  

It depends on the lender, 12 months on from several missed payments some top end lenders won't touch you, talking 2-3 years of perfect credit in some cases before they'd necessarily take a gamble on something big