We are in the process of applying for a mortgage. In my late teens/ early 20's I had a lerson loan for car and student cc for 800e. Everything was paid off etc but at the time some payments were late. Maybe a day or two up to a few days. I'm wondering what the chances are of this negatively affecting my credit rating? All closed by late 2010 so not full 5 years yet. Husband would have perfect credit rating.