I'm currently repairing my credit with the aim of getting a mortgage - buying a property is my New Years resolution!
I need to do shared ownership, and unfortunately that means I need an Experian credit score of at least 960. All old missed payments drop of my credit file at the end of January, one old settled debt (that was previously defaulted) drops off in may. I'm currently scoring 740.
After all of the bad stuff drops off my credit file, how quickly will my score increase? Is getting a shared ownership mortgage a possibility this year?