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Bank Workers Help With My Mortgage


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Hi everyone

 

A DCA has placed an old default on my credit reference file and has made a " debt search"

 

What does the bank have access to on my credit report. I have an excellent relationship with my bank , I have a mortgage and overdraft with them . all being operated well . I bank with the nationwide now

 

I remeber a staff member at HSBC saying any adverse data they automatically are informed of CCJS defaults ect.

 

So am worried that an old default ( 5years 10 months old) will have major impact on new finanicial relationship .

 

I do not need to apply for credit i just want to maintain the current credit line i have with my new bank ( its taken over 5 years to get a normal bank account.)

 

comments please

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