Here is a quick overview of my situation,
I'm hoping to purchase my first property within the next 2-3 years, looking round the $300,000 mark.
I am currently putting $450 a week aside, currently sitting around $30,000 in my savings account.
I've been in my current job for over three years, paying around the $60k mark, working in IT.
Now my problem, i'm sure you've all seen this plenty of times before.
Around 4 years ago, I was living in a share house, electricity was in my name (bad mistake).
As the people I was living with were my friends, when moving out, I didn't close the electricity account, the others assured me they would keep paying the bill, and as we had never had any problems with paying the bill before, I believed them.
Fast forward 12 months ago, I check my credit report, and see I had a default of $1400 with the electricity company, listed 18 months ago.
I phoned up, and paid the account on the spot.
So anyway, now I've got this bad mark on my Dunn and Bradstreet credit report (my veda report is clear, with a 850+ score).
Other than this, my finances are good, never carry a balance on my credit card, have solid savings.
Any recommendations on what my next move would be, i'm stuck with a default on my Dunn and Bradstreet report for another 3.5 years.
Anything I can do to improve my situation, or anything I can do to make this look better to the lender?
I'm hoping to purchase my first property within the next 2-3 years, looking round the $300,000 mark.
I am currently putting $450 a week aside, currently sitting around $30,000 in my savings account.
I've been in my current job for over three years, paying around the $60k mark, working in IT.
Now my problem, i'm sure you've all seen this plenty of times before.
Around 4 years ago, I was living in a share house, electricity was in my name (bad mistake).
As the people I was living with were my friends, when moving out, I didn't close the electricity account, the others assured me they would keep paying the bill, and as we had never had any problems with paying the bill before, I believed them.
Fast forward 12 months ago, I check my credit report, and see I had a default of $1400 with the electricity company, listed 18 months ago.
I phoned up, and paid the account on the spot.
So anyway, now I've got this bad mark on my Dunn and Bradstreet credit report (my veda report is clear, with a 850+ score).
Other than this, my finances are good, never carry a balance on my credit card, have solid savings.
Any recommendations on what my next move would be, i'm stuck with a default on my Dunn and Bradstreet report for another 3.5 years.
Anything I can do to improve my situation, or anything I can do to make this look better to the lender?
Do I have any options?
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