Can mortgage lenders find old, active debt not on file

vase

Hi all.

I had £30k of debt that I organised arrangements on about 6 years ago, they're now at about £18k. So, they're still "active" but they don't show on my credit file.

My Experian file shows three credit cards (small balances and limits) green all the way, phone contracts green, and never a missed mortgage payment. It also shows an old default, from August 2014 so due to come off this August.

My Equifax file is as above, with the exceptions of two APs, one finished and settled in 2011, the other finished (transferred to other creditor) at the same time.

Based on the above, how would a mortgage company view me in September in your opinion? Will the other debts "show" anywhere? My intention is to pay the others, but I need to move house.

Thank you.

Thrugelmir

If you fail to declare all the debt you owe on the mortgage application form then you are committing fraud. Not an advisable course of action. As could damage your personal reputation for years with all financial institutions.

PaulW922

If the mortgage lender asks to see your bank statements then they will probably pick them up. Aside from that I cannot see how they would find out, assuming the debts were defaulted and the defaults have now dropped off?

I agree that lying on a mortgage application is an offence, but as long as you continue to pay your mortgage and other debts I doubt anyone will ever care. If however you got into arrears and had legal action taken against you then you could be in trouble.