Bad credit record

[lalabobo]

I got a credit report off the icb and i have some missed payments on loans that have since been cleared,I have a credit card that is over the limit and I am struggling to pay back as I am unemployed but I have never missed a payment, can you tell me if I am going to have a really hard time trying to get a mortgage in the future when I am in permanent employment? I applied for credit for a tv recently and was declined so this is what prompted me to check my credit record.
Thanks

 

[lalabobo]

yeah i know that, as i said before, i got a credit report and there are missed payments but Im just wondering, with a bad credit record,is there any chance in the future that i will get a mortgage or will i have to wait for all the loans to come off the record???