
hi
i about 10 months time I will be looking to buy a property with a 15% deposit.the problem I have is that my husbands credit rating is shocking after using loans and credit cards to help his business that eventually went into liquidation.should I open my own current account to show I can afford to pay all my bills and have enough to afford the mortgage which will be in my name only.one other thing is I defaulted on a credit card 10 years ago and have been paying a small payment since then although this is not showing on any credit check and they have lost the credit agreement,should I include this on the application
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Paul Carmen
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