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    • stcyrus
    • By stcyrus 18th Apr 17, 8:02 PM
    • 40Posts
    • 2Thanks
    how far back can a lender go
    • #1
    • 18th Apr 17, 8:02 PM
    how far back can a lender go 18th Apr 17 at 8:02 PM
    Evening .
    Hopefully someone will know the answer to this .
    defaults come off your credit file after 6 years .
    Is there a legal time limit how far back a mortgage lender can look .
    by legal i mean an actual time limit set in law .
    i had assumed that once the default came off your credit history then that would be the farthest back a lender would be able to base a decision on .
    as always your input is appreciated
Page 1
    • ACG
    • By ACG 18th Apr 17, 8:10 PM
    • 16,831 Posts
    • 8,780 Thanks
    • #2
    • 18th Apr 17, 8:10 PM
    • #2
    • 18th Apr 17, 8:10 PM
    I dont think there is a legal limit.
    Most lenders can only access your credit report, however if you have a history with the lender then they can access further back from their own internal records.
    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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