To ask have I screwed up my credit rating

[harlondon]

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]

Yes, I’d expect you have (sorry).

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

[harlondon]

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

[Caulk]

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

[Moanyoldcow]

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

[Hotheadwheresthecoldbath]

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]

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

[harlondon]

thanks all

fingers crossed

[Jenijena]

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

[DaisyRaine90]

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.

[19lottie82]

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]

Not been my experience at all 😊

[safariboot]

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]

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

[harlondon]

thank you all