Credit file and mortgage?

aawatson

I have 5 old debts. 2 I have partially satisfied and 2 are currently on a DMP . These 4 are more than 6 years old so are off my credit file. The last 1 has been partially settled and is at 0.00 balance however still has a year to go until it is off my file. When I go to to apply for a mortgage do I need to declare all 5? Just the 2 that are on DMP and the remaining one at 0.00 balance? Or just the one at 0.00 remains on my file?

Thanks in advance

[Deleted User]

You need to declare what the lenders ask you to declare. It will vary.

HeCh

Agree with ZX81's reply - answer the specific questions that are asked.

Some mortgage application forms ask if you have ever been in arrears, defaulted on payments, or been involved in court proceedings connected with debt or if you have ever had a CCJ, IVA, DMP, other voluntary arrangements or been made bankrupt. The answer to this type of question requires that, to the best of your ability and knowledge, you provide full details of any of the items asked about even if your credit files no longer show these.

aawatson

Okay thanks ��