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| T O P I C R E V I E W |
| John.81 |
Posted - 26 June 2012 : 01:16:50
Hi
I was made bankrupt in August 2006 and i'm due to have this removed from my credit file in the next few months. My current credit score is 573 i have no credit cards or overdraft. i'm looking to get a mortgage early next year and have a deposit of 40k. will i get a mortgage??? how can i improve my credit score, the bad credit, credit cards just turn me down |
| 3 L A T E S T R E P L I E S (Newest First) |
| Niobe |
Posted - 26 June 2012 : 14:06:04
There is a,mortgage broker that posts on here. His name is Ryan and his,details can be found under the expert link. Give him a call for some free advice.
Ascend may you find no resistance
Know that you made such a difference
All you leave behind will live to the end
The cycle of suffering goes on
But memories of you stay strong
Someday I too will fly and find you again
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| James Falla |
Posted - 26 June 2012 : 13:48:24
Hi there John.81
Viki is absolutely right about getting a copy of your credit file. It is important to check that the date any defaults from any of your creditors is no later than the date of your bankruptcy. If any are then they will remain on your credit file for 6 years from that date. The only way to change this is to speak to the actual creditor themselves and make sure that they change the date of the default with the credit reference agencies.
Other than that, I think your best bet is to speak to a mortgage broker who is used to dealing with sub prime cases. They will be best placed to advice you about your mortgage options.
Debt solutions expert and author.
If you would like further help or guidance visit www.beatmydebt.com
Alternatively I can be contacted via e-mail: james@beatmydebt.com |
| Viki.W |
Posted - 26 June 2012 : 07:33:47
Hi John,
You will need to check experian, equifax and callcredit, either online or ask them to send you your credit report.
If there are any defaults still showing then you will need to write to the data controller for each creditor asking them to mark the debt as satisfied and make sure the date of the last default is not after the date of your bankruptcy.
Then all the debts and your bankruptcy will drop off in August.
You could then perhaps get a mobile phone contract, small overdraft, even a Vanquis credit card if you pay the balance off each month, that will all help to rebuild your credit.
There is a mortgage expert on here listed in the experts section called Ryan, maybe give him a call and see what advice he can give, but with the deposit that you have, I think you may have a good chance.
Good luck and let us know how you get on.
Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp |
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