My partner and I have just applied for a mortgage and been turned down. My partner got a CCJ in 2005 which he settled in 2010. Other than this we both have good credit history and can put down 30% deposit. The co. said they declined us due to poor credit history in past 36 months but I thought that a CCJ was wiped off your credit history after 6 years regardless of when it was settled? Of course they can still ask the direct question about previous CCJs as they did on this application. He has requested all his credit reports and will request the CCJ be removed if its still on there. Does anyone know where we stand with different lenders? We are not willing to take a mortgage at an extortionate rate. Is it worth waiting until its 36 months since he settled? Any advice would be appreciated as we keep getting conflicting info.
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