We will be applying for a mortgage very shortly, just waiting for the chain to be complete. We already have an agreement in principle - I was just checking my credit report and noticed on an old EE account there were two months I was in arrears - April and May 2013. I thought credit reports only go back six years so a little confused why this is still showing, will lenders also be able to see this? Will it make us less likely to get approved? Otherwise my credit history is fine and my score is excellent.
As I said we’ve already have a mortgage in principle and we’re only borrowing 3.9 x our salaries with a 15% deposit, I’m probably just worrying over nothing but grateful if anyone has any insight or advice. It’s my first time buying though my husband already owns.
Thanks