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Removed CCJ - Mortgage Application
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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Hi Manno
Your lender will not be able to see that you had a CCJ now it’s dropped off your credit file. It will also have dropped off the Register or Judgements, Orders and Fines after 6 years.
James
@natdebtlineWe work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps0
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