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

Yes, I’d expect you have (sorry).

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

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

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

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

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.

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

thanks all

fingers crossed

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

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.

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.

Not been my experience at all 😊

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.

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

thank you all