Credit issues going back to 2006-7

andyp774

Hi over the course of the next month or so I will be applying for a mortgage and back in 2006 I lost my job and struggled with the repayments on a loan I had with Halifax and a store card I had with American Golf. All these are now paid off and settled. My Experian rating is 943. Experian have the Halifax account as being in Delinquent status from 2006 but this should drop off soon.

When applying for a mortgage would this affect the lenders decision being so far back?

Since then I have not missed a payment at all on any account I have had. So since end of 2006 I have missed no payments.

I have no debt at all....

Your help and advice is needed please.

antonic

Your Experian score means NOTHING , its just something invented to get money from you.

The default on your Halifax will drop off after 6 years, so if you defaulted in 2006 it will remove in 2012.

This will affect your mortgage application.