Firstly Hi all,
I am currently trying to apply for a mortgage I earn above average salary and have 20% deposit however have defaults on my credit report
I have 3 in total 2 with Egg one with Capital One - I have paid them and they now show as settled, however i want to try and get them removed
Egg defaults are from 2006 so are due to dissapear by Sept this year but Captial One is 08 ideally i want them all gone within the next few months
I have been told if i write and appeal for a good will gesture the banks might be willing to remove the defaults alternatively ask for them to provide information/documentation regarding the default notification and cross my fingers they dont have any so have to lift the default.
I feel the defaults are unjust as they occured while my finances were with a debt consolidation company (Harrington Brooks) who in prinicpal agree a repayment plan with the creditors.
If any of you could offer me any advice i would be most greatful
Thanks in advance
I am currently trying to apply for a mortgage I earn above average salary and have 20% deposit however have defaults on my credit report
I have 3 in total 2 with Egg one with Capital One - I have paid them and they now show as settled, however i want to try and get them removed
Egg defaults are from 2006 so are due to dissapear by Sept this year but Captial One is 08 ideally i want them all gone within the next few months
I have been told if i write and appeal for a good will gesture the banks might be willing to remove the defaults alternatively ask for them to provide information/documentation regarding the default notification and cross my fingers they dont have any so have to lift the default.
I feel the defaults are unjust as they occured while my finances were with a debt consolidation company (Harrington Brooks) who in prinicpal agree a repayment plan with the creditors.
If any of you could offer me any advice i would be most greatful
Thanks in advance
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