Mortgage and credit report questions

lozbrien

Hi, I am looking for a bit of advice. I was declared bankrupt on March 13th 2017 and discharged a year later. I have since established a new career and have a long term girlfriend who I am now at a stage where we are thinking of buying a house. Obviously this is more difficult because of the bankruptcy. I followed the advise and templates on this forum to get the dates etc sorted and that is summarised in my table below based on my credit report. My questions are as follows: 1. It show default date of on or before my BR date of 13th March 2017 for all but the very bottom (Barclays unsecured loan) which is listed as 12th April. A few years ago I went through the Ombudsman and couldn't get this changed even though the loan was very much taken long before my bankruptcy. Will this has make it even harder for me to get a mortgage? 2. The end date column - is it 6 years from this date the records fall off my file? 3. The credit reports still show missed payments for most up to March 18 - my discharge date (and some even after). Would this be a problem? 4. Will it make it easier for me to get a mortgage being as it will be joint with my partner who has excellent credit? Any help would be enormously appreciated, and if its too complex does anyone know of a paid service that would advise on such matters? Many thanks. Account Details Type Account Details Default Date End Date Status  Showing default up to  Barclays Bank plc Current Account Ending *************** 13-Mar-17 13-Mar-18 Satisfied February 2018 Sainsbury Bank Ltd Credit Card Ending *************** 13-Feb-17 13-Mar-18 Satisfied March 2018 Arrow Global Ltd Credit Card Ending *************** 13-Mar-17 13-Mar-18 Satisfied March 2018 Arrow Global Ltd Credit Card Ending *************** 13-Mar-17 13-Mar-18 Satisfied March 2018 Vanquis Bank Limited Credit Card Ending ************** 13-Mar-17 13-Mar-18 Satisfied February 2018 Capital One Credit Card Ending ************** 10-Mar-17 31-Mar-18 Satisfied March 2018 HSBC Bank Credit Card Ending ************** 13-Mar-17 13-Mar-18 Satisfied March 2018 PRA Group UK Credit Card Ending *************** 13-Mar-17 13-Mar-18 Satisfied February 2018 PRA Group UK Credit Card Ending ************** 13-Mar-17 31-Mar-18 Satisfied March 2018 Halifax Credit Card Credit Card Ending ************** 13-Mar-17 13-Mar-18 Satisfied March 2018 Tesco Bank Credit Card Ending ***************** 13-Mar-17 13-Mar-18 Satisfied March 2018 Barclays Bank plc Unsecured Loan Ending *************** 12-Apr-17 13-Mar-18 Satisfied March 2018

sourcrates

Defaults show for 6 years from the date they were first registered.

You just need to use a good mortgage broker, it will be more difficult to get approved with a bankruptcy showing on your file, but should not be impossible.

A larger deposit may be required of you, to improve your chances.

Advice you pay for is rarely any different to advice given freely.