I am or was hoping to get mortgage approval. So ordered my icb, which is clear and has been clear for years as was required for job I'm in. Ordered ccr assuming the same, only this shows a loan taken out in 2007 bought by Cabot in 2011 and still showing active on my ccr. Contacted cabot who have agreed to write it off now 8 years after zero contact with me..they had wrong address and contact details. This will now remain on report for next 5 yrs as written off
I was young and foolish back then and unemployed and I know you cant default on loans. I've had 8 or 9 loans and credit cards since and never had one missed payment. I had cleared all cards and loans in hope of getting mortgage approval.
Now it appears I will have to wait 5 years.
I was hoping for a mortgage if max 80000 as I have 100k.
Has anyone any advice? Thanks for reading essay