Hi, Ive been at uni for the last five years and accrued in that time about 10k of debt. The main problem was I often paid bills and loan payments late which I know ruined my credit rating. Whilst I didnt get any defaults or CCJ's, on a number of occassions I got refused further credit. I qualified in June and since then have cleared most of my debt and paid everything perfectly, even managing to save quite a considerble sum which I would like to use as a deposit for a house. My question is how long do I need to repair my credit history before I apply for a mortgage? I appreciate this might be a 'how long is a piece of string question' but I have had a number of different answers and dont want to apply only to get refused and thus making things worse.
Many thanks