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Default after bankruptcy
lindsaygalaxy
Posts: 2,068 Forumite
Hi
I am (still) clearing up my files post bankruptcy (6 years next August). We are looking to get a mortgage in about 2 years.
On my noodle credit file it is showing a default with Nationwide from October 2008 - 2 months after br. It is a current account that used to be joint with an ex (still may be - doesnt show a connection though). The default was for £60 then jumped to £118. I have no idea and do not know what the default is for. I presume as the account wasn't in default at the time of br it is not included.
Due to us looking for a mortgage in the future is it best to pay it off? I know it will be off the file in just over a year. Would Nationwide consider us for a mortgage with this on the account if it was cleared?
Thank you for your help.
I am (still) clearing up my files post bankruptcy (6 years next August). We are looking to get a mortgage in about 2 years.
On my noodle credit file it is showing a default with Nationwide from October 2008 - 2 months after br. It is a current account that used to be joint with an ex (still may be - doesnt show a connection though). The default was for £60 then jumped to £118. I have no idea and do not know what the default is for. I presume as the account wasn't in default at the time of br it is not included.
Due to us looking for a mortgage in the future is it best to pay it off? I know it will be off the file in just over a year. Would Nationwide consider us for a mortgage with this on the account if it was cleared?
Thank you for your help.
£2 Savers club £0/£150
1p a day £/
1p a day £/
0
Comments
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Anyone please?£2 Savers club £0/£150
1p a day £/0 -
Hi, if you are not looking to get a mortgage for 2 years and the default is due to drop off in one year I would just wait for it to drop off!
H x0
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