Looooong story short: we want to buy a property but my husband has two defaults, one from 2010 or so, £300, settled. He also had a default from a loan he got in 2003 - we're not sure if its settled or not as cannot get any paperwork from the CRA/bank so is on long-term hold. (We think it's been paid, the debt that is, but that the CRA was adding extortionate fees and interest for years...). It is not on any credit reports (have checked all three). Do we have to declare all credit history, or is there a certain amount of years history they ask for? (first time buyer, well, wannabe).
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