Hi,
I had a missed payment on a BOI loan in 2011, loan was fully paid in early 2013, and only then did i realize there was arrears (long story, but letter etc went to an old address and received no calls from the bank so was oblivious due to poor monitoring of my accounts at that time.)
Anyway , hope to be applying for a mortgage with my wife in Q1 next year- how likely this is going to be an issue for us? I've heard varying reports as to how many years they go back with regards credit check.
We earn 115K per year combined and in good stable jobs with decent regular savings. No outstanding loans or Credit cards and wifes credit history is perfect.
appreciate any advice.
I had a missed payment on a BOI loan in 2011, loan was fully paid in early 2013, and only then did i realize there was arrears (long story, but letter etc went to an old address and received no calls from the bank so was oblivious due to poor monitoring of my accounts at that time.)
Anyway , hope to be applying for a mortgage with my wife in Q1 next year- how likely this is going to be an issue for us? I've heard varying reports as to how many years they go back with regards credit check.
We earn 115K per year combined and in good stable jobs with decent regular savings. No outstanding loans or Credit cards and wifes credit history is perfect.
appreciate any advice.