I can’t get a mortgage with my wife after running up credit card debts in my twenties – The Sun

DEAR DEIDRE: WHEN I was in the Army in my twenties, and a bit wild, I ran up credit card debts.

In the end I paid them all off, though it took a few years.

I am 43 and married with two children now but can’t get a mortgage due to my poor credit rating.

It is so frustrating for my wife and I.

We pay £750 rent a month for our house and have never been late in ten years, but we are effectively throwing this money away with nothing to show for it.

If we got a mortgage we would be well on the way to owning a place of our own but I feel condemned by a few escapades as a lad.

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DEIDRE SAYS: Have you checked this out afresh recently?

You may well be able to improve your credit rating and the bad record from ten years ago may be improved now, as things like missed payments and bankruptcy are wiped after six years.

For detailed help on getting your credit rating into better shape – plus guidance on finding a mortgage – you should head over to moneyadviceservice.org.uk.

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