Credit record from DMP and mortgage

larnier

We came out of a DMP in 2017 and recently put our house up for sale as we need somewhere bigger and felt confident as Experian now has my credit record as excellent. We have now spoken to a mortgage adviser who asked us to get a credit report from Check My File. I was shocked that this put our credit scores (me and DH) as 658 and 681 which is 2 stars. I can see that we each have some DMP accounts showing which will be in our file til November 2023. The mortgage adviser has said there is only one provider he can apply to and the interest rates may be high. All of my previous DMP anxiety has come back, I thought we were free from it. While we are waiting for a decision can anyone advise how significant this is. We need a fairly large 80% mortgage, are aged 49 and 56 but are highway earners (combined income £90k). 

[Deleted User]

The DMP is on your files for 6 years and it is this that lenders look at, not the pretend scores.

Get your three file from Experian, Equifax and TransUnion. Not Checkmyfile.

Then use a decent broker