Credit Repair: A Guide to Fixing your Credit
It is not unusual to have a blip on your credit file with us having mobiles and various other credit commitments, but a missed or late payment can have impact on your ability to get the mortgage you require with many lenders only looking for the perfect credit profile.
However, there are lenders that will look sympathetically at those blips and assess you on your current ability to repay the mortgage rather than your past credit history.