How To Get My Credit Rating Up To Standard

[pumpjack]

defaulted 4 yrs ago, long story, anyway im n right track now since then, o2 contract bill being paid, virgin media bill being paid on time, recenty got a cashplus card where they lent me £70,00 per year and now im paying that back , also got an aqua credit card last week with £700 credit limit on it and have all intentions of not messing that up.

i want a mrtgage soon, im based in NI , could i get one now and who could i talk too ? or let my bills keep continuing to be paid for a year or two,

credit report on noddle says my rating is stil at 520 ( very poor ) this last 4 yrs

[ubasses]

You are dong the right thing by having managed to get some lending which you are proving you can repay. However, the main Mortgage lenders will not look at giving you a mortgage for minimum 6 years from default. There are a few 'Bad Credit Lenders' around, but you will need a larger deposit and the interest rates will be high. If you are prepared for that the best course of action would be to approach a reputable broker.

[pumpjack]

thanks

i have approx 70 k deposit . hope to get a 130k mortgage

[Peter Pedant]

thx ubasses ....