In this post credit crunch age, where lenders are seemingly looking for any excuse to refuse you a mortgage, it is worth spending a bit of time making sure that your credit file looks lean and mean.
I frequently have applications refused because people have paid their credit card bills a day or two late, thinking that it wont be a problem. YES IT WILL.
If you haven't done so already get a copy of your credit file from experian and/or equifax and view it as though YOU were a lender. This tends to sharpened your mind and ensure you pay bills early if necessary to keep your credit in tip top shape.
