how far back can a lender go

stcyrus

Evening .
Hopefully someone will know the answer to this .
defaults come off your credit file after 6 years .
Is there a legal time limit how far back a mortgage lender can look .
by legal i mean an actual time limit set in law .
i had assumed that once the default came off your credit history then that would be the farthest back a lender would be able to base a decision on .
as always your input is appreciated

ACG

I dont think there is a legal limit.
Most lenders can only access your credit report, however if you have a history with the lender then they can access further back from their own internal records.