We are applying for a mortgage. We both previously had excellent credit scores, and everything was fine on the soft search, and affordability checker all fine. Email from the broker this evening that the AIP was declined - it turns out I have a missed payment on a credit card from last summer. It's a complete (and completely and utterly stupid) administrative oversight on my part, I don't have a direct debit on that particular credit card (god knows why I hadn't set one up) but I always make my payments on time except this one time for some ridiculous unfathomable oversight on my part - and from looking at my statements looks like I was one full billing cycle late. Am panicking have completely screwed our chances of getting a mortgage (or at least completely shafted the rates we'll get) - is there anything to be done?
Late credit card payment - mortgage application
Lemonyfuckit · 01/02/2024 00:25
To comment on this thread you need to create a Mumsnet account.