CR's after the 6yrs

Rrushi_Shqiptar

Hi sorry for this,

I have cleaned up my files prior to the dropping off of my BR in December.

Do all debts prior to the BR drop of as they will be part of the BR.

I have a mortgage account showing settled but an AP marker was put on over a yr after the BR, the house was sold as a part of the BR so surely that should be marked as default on the day of the BR and drop of my CR on the 6yr anniversary?

Having problems with Cheshire Mortgage corporation....never get involved with them.

fermi

Account drop off 6 years from the recorded default date. Always. So if that is on or before you BR date, as it should be, then yes, it will go.

Mortgages can be different, depending on whether the account defaulted, or should have done, a a subsequent debt was included in the BR.

http://www.experian.co.uk/www/pages/downloads/compliance/guidance_on_defaults.pdf

Rrushi_Shqiptar

fermi wrote: »

Mortgages can be different, depending on whether the account defaulted, or should have done, a a subsequent debt was included in the BR.
http://www.experian.co.uk/www/pages/downloads/compliance/guidance_on_defaults.pdf

Thanks for the quick reply Fermi.

The Mortgaged had defaulted prior to the BR and the IP forced the sale of the property as a result of the BR. The mortgage was not paid for several months after the notice to sell was given by the IP and this was agreed with by the mortgage company.

I am slightly confused as this was a debt which was there before the BR and had been subject to payment problems prior to and after the BR and therefore had defaulted. Surely then it should be marked as defaulted at the BR and drop off after 6yrs....it was subject to the BR?