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Defaults from Hell

bunnybunny_2
bunnybunny_2 Posts: 12 Forumite
in Debt-free wannabe
Hi,
Can anybody help me with my defaults? I have 5 which have all been settled, no CCJ's but cant get credit at all. I read earlier on this site somebody had called the company's and got them to remove them is this possible?

Comments

  • sgx.saint
    sgx.saint Posts: 1,615 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    They can only be removed 6 years after the date of their issue. Has this timeframe now passed?

    If so, contact either Experien or Equifax and ask them to be removed from your file.

    Usually they automatically drop off your file though.
  • CLAPTON
    CLAPTON Posts: 41,865 Forumite
    10,000 Posts Combo Breaker
    were the defaults correctly applied?
    when were they?

    why do you want further credit?
  • bunnybunny_2
    bunnybunny_2 Posts: 12 Forumite
    My reason for requiring credit is another mortgage as I have just sold my house and have some savings and no debt, as for the defaults they will be gone in 2010, but thats no help at the mo.
  • CLAPTON
    CLAPTON Posts: 41,865 Forumite
    10,000 Posts Combo Breaker
    mortgages are in fact easier to get than most other credit because it secured on property. the amount of your deposit and your income are vey important of course.
    have you enquired of a mortgage company? see what they say

    otherwise try a specialise broker..you will probably pay a premium rate

    http://www.whoslending.co.uk/
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