After some advice please 🙂
After leaving university, despite being well paid, I wasn't particularly sensible with money and accrued around £8000 credit card debt. I have always paid at least the minimum monthly payment and usually tried to pay a bit more, but it has been difficult to significantly make a dent in it until now. Now I am able to pay more and it should be gone in about 5 months. I have also had 2 bank loans, which I have always paid on time.
I am planning to buy a house with DP but not for about 2 or 3 years.
My question is: would the fact that I have had a large amount on a credit card in the past negatively affect my ability to get a decent mortgage? DP has always been more sensible and I hate to think that my choices mean he would be worse off, not that he would ever say anything like that.
Thanks for reading 😁
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5 replies
LawrenceSMarlow · 11/10/2016 11:16
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