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Mortgage Application - Halifax
Comments
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Defaults should only appear on your report for six years. If it was registered on your Experian report over six years ago it will have been removed now. Perhaps you should explore why it is still showing with the other CRAs. Defaults should not be re-registered.
James Jones“Official Company Representative
I am an official company representative of Experian. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
Posts by James Jones, Neil Stone, Stuart Storey & Joe Standen0 -
See post #4.Experian_company_representative wrote: »Defaults should only appear on your report for six years. If it was registered on your Experian report over six years ago it will have been removed now. Perhaps you should explore why it is still showing with the other CRAs. Defaults should not be re-registered.
James JonesThe Default was registered in April 2009 so not close at all I'm afraidI am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.0 -
Experian_company_representative wrote: »Defaults should only appear on your report for six years. If it was registered on your Experian report over six years ago it will have been removed now. Perhaps you should explore why it is still showing with the other CRAs. Defaults should not be re-registered.
James Jones
Thanks for the feedback.
I have a feeling that it was removed due to the agreement I had with the lender. It was definitely on my Experian report in 2009 (how I found out I had it).
Not sure why they did not remove it from my other reports though0 -
Hi,
Just wanted to give an update and thanks to everyone in this thread.
Not only did I get a mortgage offer from the Halifax and am weeks away from moving into my new house, but Santander apologised and removed the defaulted account with all credit reporting agencies.
Thanks again to all in this thread.0 -
Well done....I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it.This signature is here as I follow MSE's Mortgage Adviser code of conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0
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