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To ask have I screwed up my credit rating

(15 Posts)
harlondon Tue 24-Oct-17 23:36:06

really not sure what happened

missed two mortgage payments this year

missed one 6 years ago

never missed a credit card payment or any car loan payments etc
paniking now as would like to buy house in next year or two

19lottie82 Tue 24-Oct-17 23:38:57

Yes, I’d expect you have (sorry).

How can you miss 2 mortgage payments and , not be sure what happened?

harlondon Tue 24-Oct-17 23:45:28

was short by small amount on both occasions
was away once and thought there was enough to cover it

Caulk Tue 24-Oct-17 23:46:35

Look at your credit score, thatll give you more help than we will.

Moanyoldcow Tue 24-Oct-17 23:47:41

Are you in arrears or was it just a few days late?

Hotheadwheresthecoldbath Tue 24-Oct-17 23:50:42

Go to moneysupermarket.com.They are offering a free credit rating,whether you would be ok for a mortgage and advice on improving your credit rating.

DaisyRaine90 Tue 24-Oct-17 23:51:46

I’ve done a few silly things credit wise but my ratings back to excellent. You can get it back 😊

harlondon Wed 25-Oct-17 00:09:37

thanks all

fingers crossed

Jenijena Wed 25-Oct-17 00:11:58

Noddle.com is a free credit check site. It will tell you

DaisyRaine90 Wed 25-Oct-17 00:14:32

Expedia and Experian are used by more banks etc. There is a graph somewhere on Money Saving Expert which shows which banks etc. Use which credit check agencies. smile

19lottie82 Wed 25-Oct-17 00:26:51

Caulk your credit score won’t tell you anything it’s just a made up number that no one sees apart from you and the credit referencing agency that uses it as a marketing tool.
The fact is the OP will have 2 late / missed mortgage payments on her credit history (History is important, Not score), so that’s what’s important and what potential lenders will see.

Daisy , true, but these things take 6 years to drop off your credit history.

DaisyRaine90 Wed 25-Oct-17 00:40:12

Not been my experience at all 😊

safariboot Wed 25-Oct-17 00:59:27

Agreed with what 19lottie82 said. You can get your "Statutory Credit Report" from each of the three agencies - Equifax, Experian, and Callcredit - for £2 each. That's the same information lenders get to see.

You can also get a "Notice of Correction" added to your report, a short statement by you explaining the situation. If it's something like you should have paid £125 and you paid £124 then that might be worth considering doing.

condepetie Wed 25-Oct-17 02:08:59

Clearscore.com is what i use for checking my credit score. Don't pay to see it.

harlondon Wed 25-Oct-17 11:46:21

thank you all

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