Can anyone or mortgage advisors help me please. My partner and I have an AIP from Skipton and our mortgage advisor has submitted the full application. My partners credit is excellent with not a single blemish. My Experian score is 943 so in the ‘good’ category. The only issue I have is that I have a recently settled arrangement to pay on my file on a credit card but the card is now up to date and I can still use it now, as in it wasn’t closed down. On Skipton’s lending criteria they allow up to 2 missed payments and 2 settled defaults, so do you think I’ll be okay with the settled AR? Has anyone else been approved by Skipton with a settled arrangement to pay? I have no other blemishes on my file other than this. We have a 12% deposit. We have a combined income of 105k and have an AIP for £375k