Credit file showing credit card cash withdrawal

George2021

Hi
Applied for a mortgage through a broker who advised today that my wife’s credit check shows cash advances on a credit card approx 40 times where she needed cash and used it unknown that it’s a big no no on your credit score so the lenders have declined us. Any advice on how to get these off the credit report would be most welcome the balance on the card has been paid off today.  It’s with Halifax.  

Thanks everyone. 

D3xt3r5L4b

Same as per your other post.

Speak to a broker who deals with adverse credit files/histories. 

Also do you really think you can afford a mortgage as you have to keep withdrawing cash from a credit card?

George2021

D3xt3r5L4b said:

Same as per your other post.

Speak to a broker who deals with adverse credit files/histories. 

Also do you really think you can afford a mortgage as you have to keep withdrawing cash from a credit card?

Thanks for advice. 

For the record it was done stupidly by someone awveeything else is ok. 

burge1983

When were these withdrawals made? are they recent?

George2021

burge1983 said:

When were these withdrawals made? are they recent?

Hi recent most of them.  

Thanks 

PRAISETHESUN

Personally I think you're going to be out of luck trying to get them removed as they are an accurate representation of what has happened. If lenders removed every missed payment, default, CCJ, etc that they were asked to remove then credit reports would be a pretty useless source of information to lenders. By all means put in a complaint, but I wouldn't be expecting too much. 

burge1983

George2021 said:

burge1983 said:

When were these withdrawals made? are they recent?

Hi recent most of them.  

Thanks 

How recent is recent though? Ive seen an article from Martin Lewis saying to work to avoid any cash advances on CC's in the 3 months before any application.

SpreadableToast

PRAISETHESUN said:

Personally I think you're going to be out of luck trying to get them removed as they are an accurate representation of what has happened. If lenders removed every missed payment, default, CCJ, etc that they were asked to remove then credit reports would be a pretty useless source of information to lenders. By all means put in a complaint, but I wouldn't be expecting too much. 

I don't think you should even be saying "by all means put in a complaint."  People really shouldn't be in the slightest bit encouraged to make completely spurious complaints like this.  It is a factually correct report of what happened, there's nothing to complain about.

penners324

Don't make cash withdrawals for 3 months then reapply...