Hi I have finally decided on a 5year fixed mortgage with bristol and west at 5.40% with no fees. I have just looked at my credit report online and I have 3 1 month arrears in 2007 to a catalogue company. Do you think this will affect my application? Also in 2002/2003 I had a few more late payments - does it still get taken into account even if they have all been setled now? Many thanks for any advice - starting to panic now in case we are unable to remortgage