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Mortgage Default Recorded on Credit Report


middlechild
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Hi all,

 

My property was repossessed

I was able to raise funds to pay off the balance on my mortgage before it was sold, and got it back.

 

The whole process took a couple of months by which time the default was already showing on my credit file

(The default was in fact reported to the CRAs almost immediately; I know this because I checked).

Can I get the default removed?

 

I am aware that technically, it should remain for 6 years,

is there any likelihood of the lender waving this since I came up with the funds rather quickly after the repossession.

 

Being a large debt and a quite recent default, it has completely ruined my credit rating, making it impossible for me to do anything credit related.

 

Most importantly, I am seeking new employment and in my line of work, companies perform not just identity checks but also credit checks.

This would disqualify me instantly.

 

Thanks in advance.

Edited by middlechild
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It was correct at the time so not 'wrong'

 

there is a chance if you write a very polite pleading letter to the lender

pulling on their better nature

explaining that you appreciate you made a mistake

but that was quickly rectified

and that their default is now preventing employment and financial progression.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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it has worked before

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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