So the mrs and I are looking at getting our first house together and we are both still at parents. We have came across a few flats we are going to view. I have noticed that they say they will do credit checks on us. Just to find out what this is for exactly? ID? or for your actual credit history?
Im not sure how our ratings are, I mean, we have had about 10 late credit card payments between us over the last few years and only by 2-3 days at the most. We have both been students in the past and unfortunately got stuck with the overdrafts after studying so we have never really got round to paying them off in full. Apart from these things there isn't much else.
Any help would be great, cheers