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    • Mar1980
    • By Mar1980 12th Sep 17, 12:33 PM
    • 8Posts
    • 0Thanks
    Mar1980
    Credit file,linked addresses, IVA
    • #1
    • 12th Sep 17, 12:33 PM
    Credit file,linked addresses, IVA 12th Sep 17 at 12:33 PM
    Advice please??

    I'm just about to apply for a mortgage so checking my credit report on Experian, which is excellent 999, I found a linked address entry source to be a 'Max Recovery'! Upon further investigation I found out max recovery is actually the company my IVA was with 8 years ago (so no longer on my credit report).
    Will the fact that a Debt Recovery company is on my linked addresses be a red flag to a mortgage lender?
Page 1
    • zx81
    • By zx81 12th Sep 17, 12:38 PM
    • 13,220 Posts
    • 13,528 Thanks
    zx81
    • #2
    • 12th Sep 17, 12:38 PM
    • #2
    • 12th Sep 17, 12:38 PM
    Raise a dispute with the CRAs and have it disassociated.

    It's unlikely to be an issue, as it's an incorrect associate and the DCA itself won't (or shouldn't) have a poor credit history.
    • Mar1980
    • By Mar1980 12th Sep 17, 2:15 PM
    • 8 Posts
    • 0 Thanks
    Mar1980
    • #3
    • 12th Sep 17, 2:15 PM
    • #3
    • 12th Sep 17, 2:15 PM
    It's not technically an incorrect associate. I changed address with them shortly before my IVA finished which went on my credit report
    • zx81
    • By zx81 12th Sep 17, 2:21 PM
    • 13,220 Posts
    • 13,528 Thanks
    zx81
    • #4
    • 12th Sep 17, 2:21 PM
    • #4
    • 12th Sep 17, 2:21 PM
    They shouldn't be there as a linked address. They were a creditor, not someone you had joint finances with.
    • Mar1980
    • By Mar1980 12th Sep 17, 5:40 PM
    • 8 Posts
    • 0 Thanks
    Mar1980
    • #5
    • 12th Sep 17, 5:40 PM
    • #5
    • 12th Sep 17, 5:40 PM
    They're not the linked address, they're the source who gave the address I'm linked to which where I used to live?
    • zx81
    • By zx81 12th Sep 17, 5:49 PM
    • 13,220 Posts
    • 13,528 Thanks
    zx81
    • #6
    • 12th Sep 17, 5:49 PM
    • #6
    • 12th Sep 17, 5:49 PM
    Lenders don't see the names of anyone you've had credit with, so it shouldn't be a problem.
    • Mar1980
    • By Mar1980 12th Sep 17, 6:16 PM
    • 8 Posts
    • 0 Thanks
    Mar1980
    • #7
    • 12th Sep 17, 6:16 PM
    • #7
    • 12th Sep 17, 6:16 PM
    Thanks, I think that's what I wanted to hear?
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