Please oblige i requirement credit and mortgage proposal urgently!!?

I earn 13000 pounds a year on salary in the NHS and i find about 100 pounds extra a month as overtime . I applied for a mortgage today and i got decline. I have two late payments on my vindication which i have now compensated the minimum on but it hasn't shown up yet . My bank advise that i return in 6 months as the 2 late payments will of cleared.Is this true? They also said that if i fashion regular payments in my savings report it should better my chanes... I already have 1800 in my money account ... Is it worth clearing my debts quick and budge back in six months ... will it be clear?
Answers:
typically it takes about 3-6 months for the things to clear or find corrected on your report


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