Bank Account Recommendations For A First...
Business & Finance0 min ago
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For more on marking an answer as the "Best Answer", please visit our FAQ.If you are looking in 'a few years', then if you sort out your troubles now, you may be able to get a main stream mortgage from a 'proper' lender and pay far less.
Start making payments to the companies that you owe money to, and this will help rebuild your credit.
After 6 years, defaults will come off your credit report
I'm sure that if you apply for a mortgage then your partner doesn't need to be checked, but her income can be used as "additional income" on the application. It would mean that she will have to wait a while to get her name on the deeds but if your building a future together there must be a high level of trust between you.
If your partner owes a large sum of money I wouldn't put her name on the morgage just yet anyway. Once you have had your house for a while it should increase in value. The creditors would also have waited quite some period of time for their money and would be more likely to take a "full & final" reduced settlement of your partners debts. If you need help with this go to www.chambersmoore.co.uk
Hope this helps