CRA and how best to clean it up.

[martinkenney]

Looking for a bit of advice here. Am going for a mortgage in October and am i the process of trying to clean my credit file. There are a couple of defaults that i have no idea i had so i have challenged them without saying i owe the debt using a CCA letter. Now 2 others were disputed back in 2009 by myself. One with Virgin media the other with Monument. I have now again sent CCA Letters to them but i am now kinda thinking that i have also accepted the debt as i have refered back to 2009 in the letter.

 

Have i shot myself in the foot with this? Would it be better to let leave alone or fight? Also i have 2 defaults registered with 2 different comapnies t mobile and lowell for 1 debt can this be correct?

 

Any advice on the best way to clean things up will be appriciated.

[renegadeimp]

nearly all mortgage lenders are looking at 3-6 years of clear Credit history now. You might be able to find one with relaxed requirements, but they are few and far between. If you have defaults or CCJ's on your file, your chances of getting a mortgage is very very low.

[BRIGADIER2JCS]

Getting or not getting a CCA will not help in removing a default.

One default will be the original the Lowell entry shoud on be an

update with their details the default date CANNOT BE CHANGED

if Lowell have changed the date I expect it will be the date they

aquired the debt this is challengeable.

A CCA request is a lawful request for information and does not acknowledge

the debt.

I doubt with a CRA file like that you will get a mortgage, even if the defaults

etc are removed as you will not have sufficient credit history, even the subprime

market are very wary now.

[martinkenney]

I will be looking at a right to buy mortgage. Value £80k, Mortgage i have to find £50K Would that make a difference and can anyone suggest the best line of looking for a mortgage. Would a broker be better than a main line of credit?

[BRIGADIER2JCS]

Can't see you getting very far with your credit history.