Ive applied for a mortgage and been told the address I live in is causing problem, its an ex student rented place, and there are lots of CCJs against it apparently.
Is there anything I can do about this?
Ive applied for a mortgage and been told the address I live in is causing problem, its an ex student rented place, and there are lots of CCJs against it apparently.
Is there anything I can do about this?
Have you requested your credit files from Experian, Equifax & Callcredit to see if anything is wrong? At 2 per report it is worth it.
Have done so a few times but don't know what to look for. My own credit is fine, apparently it's the address causing problems according to the Halifax thier mortgage system refuses to offer me one just becuase of the address.
I've been told to contact Equifax and sort things out with my address. Cannot get through to a person on the phone with them.
What is this Disassociation from address thing about?
When I first got my reports I had "linked" addresses on it that had nothing to do with me, so got them removed. I'm not sure how you can be dissacociated from your *current* address though!
Without a hint of irony, "Ben" astounded uk.finance on
16 Feb 2005 by announcing:
You cannot sue an address...
Contact the CRAs (Experian, Equifax - possibly Call Credit) and request your credit file. You'll have to prove your identity and pay 2. When the files arrive, check them for inaccuracies and contact the CRA asking them to update any incorrect information as applicable.
That's one thing to look for.
It sounds to me as if the credit reference agencies are getting around the recent legislation disallowing linking of unrelated individuals by blacking a property and everyone that lives there. It might be worth launching a complaint.
Ben needs to see if there's any reference to CIFAS. Also contact The Registry Trust and inform then that the people with CCJs no longer live their. Links on my webpage
Me neither.
Previous comments here -
There are other reasons for a house to be unmortgageable eg situated on unstable ground without underpinning, such as a mine or subsidence.
Daytona
Without a hint of irony, "Daytona" astounded uk.finance on 17 Feb 2005 by announcing:
No such thing.
I know there's no such thing as a blacklist, but what other possibilities could lead to this ?
Daytona
Without a hint of irony, "Daytona" astounded uk.finance on
17 Feb 2005 by announcing:
The CRAs don't blacklist properties, or individuals. They just hold information. It's the lender who will make the decision based on that information. The lender may see that there are CIFAS alerts, multiple CCJs and decide not to accept the risk.
BeanSmart website is not affiliated with any of the manufacturers or service providers discussed here. All logos and trade names are the property of their respective owners.