Disconnected phone affect mortgage app?

danielanthony

Will this entry on my file negatively effect my credit rating? I am looking to get a mortgage in the next couple of months and this phone contact was cancelled in 2003 when I took out an IVA. The account is marked as settled but the FCS Flag part says 'disconnected' which doesnt sound so good.

I notice there is no 'default date' like there is on my credit card entries, otherwise I would see it being simpler to get this removed from my file.

Opinions please

ORANGE PCS Communications Satisfactory Settled 01/05/2005
ENTRY NUMBER: C9
Name:
MR X
Address:X
Date of birth:X
Company name:ORANGE PCS
Account type:Communications
FCS Flag:FCS Disconnected
Started:04/11/2000
Current Balance:Settled
Settled On:14/04/2005
File Updated for the Period to:01/05/2005

Andy_Ches

I have had many phone contracts over the years which I have kept upto date and paid on time etc.

They show on mine as settled and FCS Disconnected. It basically shows whats happened...the phones being closed and disconnected. It's normal.

danielanthony

Phew, thanks

Andy_Ches

danielanthony wrote: »

Phew, thanks

I take it the payment status's are 000000000 etc. If so it'll be fine.

danielanthony

Yep, all 0's, by 28/05/09 all defaults '8's will be gone