History older than 6 years

SkinnyPete63

I recently applied for a mortgage, and having had a couple of issues initially, I ordered my "full" credit report. There was one default on my record, which expired in just about a month, so I waited until it was past that date, got my full report again and sure enough it had gone.

I then applied for a mortgage, but was turned down as the mortgage company said there was something on my credit file from more than six years ago. I have no idea what this is, and more troublingly, no idea where to go to find out what it is so I can do something about it. Where will they be getting this information and how do I go about getting it myself?

ACG

Did the mortgage lender use the same credit agency you did?
There is Equifax, experian and call credit/noddle. They can all differ.

[Deleted User]

SkinnyPete63 wrote: »

I then applied for a mortgage, but was turned down as the mortgage company said there was something on my credit file from more than six years ago. I have no idea what this is, and more troublingly, no idea where to go to find out what it is so I can do something about it. Where will they be getting this information and how do I go about getting it myself?

It is is genuinely more than 6 years ago, it may be from their own internal records.

Rhondacampbell85

Sorry can you clarify what you mean by internal records? Do you mean they keep a note if you've ever defaulted with them or one of their partners that they will be keep this information indefinitely?

MortgageMamma

If you ever owe debt to a company, particularly banks etc, they will keep a record of it well after the debt has been removed off your credit report, even if its been paid.

I did a case for a client last summer with HSBC who'd kept records for over 10 years that my client defaulted on a credit card by 5k and only paid half of that back as it dropped off his credit report he assumed he didn't need to pay it.

Your best bet is to move on to another lender

Thrugelmir

Rhondacampbell85 wrote: »

Sorry can you clarify what you mean by internal records? Do you mean they keep a note if you've ever defaulted with them or one of their partners that they will be keep this information indefinitely?

Correct. They'll maintain sufficient information to in effect black list you.