Hi all,

I've been around here a few times lately and after months of moaning at my husband got him to check his credit file. Both of us were shocked to learn that he's in the excellent category dispite having a default, which actually isn't appearing on his file. It was only raised in 2006 but the accounts that are showing are all updated and paid on time. We were both shocked. I on the other hand have an extremely poor credit rating, I'm even embarrassed to say how bad but as of last week all my £1.5k of debt has been paid off. All my defaults will remain for another three years, I know but we need to move next year due to our growing family and it isn't possible to stay in our some what small two bed house.

I earn £16.5k and my husband earns £15.5k so its not an option to just make him a single applicant. We have a 15% deposit and when I spoke to a financial yesterday, I voiced my concerns and she surprised me by coming back with Halifax as a possible lender! She assured me that as my defaults were more than two years ago that they wouldn't count them, but I had to mention the fact that I'd only paid them off last week so it would show on my credit profile as satisfied. I still believe that they will decline my application even if the rate was amazing at only 3.89% or similar.

My question is because they take my credit history into account as well as my husbands, will this mean we are likely to be rejected everywhere. We can't get any more than a 15% deposit as that's pushing it and although by the time we are ready to move my defaults would have been paid for over 6 months and our last mortgage was one of those sub prime mortgages that help to rebuild your credit which I believe is linked to my husbands amazing credit score!

I'm already aware that my credit score won't improve that much until my defaults are removed but their has to be some hope, right? Please help

Thanks

Gemma