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I have no missed payment markers since Feb 2020, but loads before that date, how much will this...?
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JustAGuyWithQuestions
Posts: 47 Forumite
...affect my ability to be seen as credible in the eyes of lenders/landlords/those who check credit reports etc.? I was extremely irresponsible with money up until that time and I decided to take my finances seriously and I have no missed payment markers since. Still, the missed payments prior to this still shows on my credit report... will lenders take more notice of the fact I have no missed payments over the last few years, or will the fact I have alot be what they are more bothered about?
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It depends on the lenders. Only having two clean years isn't great, but it depends on what you're applying for and from whom.1
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They drop off in Feb 2026 though over time the effects are lessened provided you have a well managed file since1
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