Default Credit Card

MarcEdwin1979

Hello all
When I was made redundant I ended up putting both my credit card into default.
When I was back and working I tried to ge them back to normal payment place but was told that that was not possible and I'd have to pay of the total balance.
I have continued to pay them both with the agreed amount set and have never missed a payment but now I'm looking to buy a new house i can't because of the default cards


One of the has dropped of the Experian credit site with the other due to disappear after Nov this year, will this still effect me getting a new house or because the are gone from my Experian will they not take it into account


Thanks for any advice

grumbler

Unless the mortgage lender is from the same banking group as your CCs were, the only information it can get is that is available from CRAs.

It's worth noting that Experian is not the only CRA that the lender can check.

fermi

Mortgage lender may still ask about defaults and what debts you currently have.