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Hi, thanks for your question. My name is XXXXX XXXXX I can help with this.
Will the house be in both your names that you intend to acquire a mortgage on?
Okay, so realistically if you need both salaries considered, it'll need to be in both your names I believe. It's up to the lender, but this is how they usually work. In essence, you're not likely to be able to remove the missed payments, but you should be able to enter a notice on the record to explain why they were missed so that when a credit search is done, this information is revealed to the searching company.
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No, there isn't an equivalent. In the UK, it's dealt with via agreements between lenders, and they all usually agree to report accurately the conduct of an account etc. to credit reference agencies.
The only requirement here is that the reporting is accurate.
It can do, yes, although the problem these days is automated processing - "the computer says no" saga. Sometimes, lenders do not consider the additional comments, but they all have the ability to see them, but in all honesty, it's probably the best you're going to be able to do. For what it's worth, in 2 years, they will drop off your credit file altogether, but I appreciate that's a long time!
That's right I'm afraid. If it was inaccurate, then you could get it corrected, but not otherwise removed.
And no, there is no such thing as a goodwill adjustment I'm afraid.
I'm afraid not, the position is pretty simple in the UK. The credit agencies will record the data fed to them by the institutions concerned and you can only get that removed where it's wrong/inaccurate. The best you could do is to dispute whether the report was accurate, but from what you've said, it's not inaccurate.