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Mortgate Application Removed CCJ
manno79
Posts: 3 Newbie
Hi everyone,
Some advice please. I am currently going through the process of purchasing my first home, but I am fearful that an old CCJ will affect my mortgage application.
It was over 6 years ago and no longer shows on my report, and my rating is back to "good". What I want to know is will the lender still be able to see that I had a CCJ even though it is no longer on my report, and if they can will it affect my application?
Any info will be great.
Thank you,
Some advice please. I am currently going through the process of purchasing my first home, but I am fearful that an old CCJ will affect my mortgage application.
It was over 6 years ago and no longer shows on my report, and my rating is back to "good". What I want to know is will the lender still be able to see that I had a CCJ even though it is no longer on my report, and if they can will it affect my application?
Any info will be great.
Thank you,
0
Comments
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If it was 6 years ago you will be fine.
Don't worry about it and good luck with the application!0 -
Thanks. Fingers crossed everything will be fine.0
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Please tell us you are not daft enough to apply for a mortgage to a member of the same group responsible for taking you to court.
ie - Got CCJd by Intelligent Finance and applying to Halifax, Lloyds, Scottish Widows Bank, TSB, Bank of Scotland etc.
That's the only way it could bite you on the derriere.I 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
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