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mortgage not on credit report

jimmyt01
jimmyt01 Posts: 1 Newbie
in Mortgages & endowments
Hi
I filed bankruptcy 10 years ago and was able to do a modification to my mortgage and keep my house. the mortgage, that I'm paying monthly, does not show on my credit report.
things are much better for me now and I'm in the process of applying for a mortgage for a second home. How should I explain this in my mortgage application?
Thanks

Comments

  • csgohan4
    csgohan4 Posts: 10,602 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    to the best of your knowledge and honestly, bare in mind there are other CRAs as well which may report it
    "It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"

    G_M/ Bowlhead99 RIP
  • MovingForwards
    MovingForwards Posts: 17,178 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Not all financial institutions report to all credit reference agencies, mine only reports to one.
    Have a look at all of them and see which it reports to.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • ACG
    ACG Posts: 24,920 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    You wont need to explain it.
    Just put down that you have a mortgage with whoever on your new application. That will be all that is needed. 
    IF they can not see a payment history they may ask for a Mortgage statement but that is unlikely.
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
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