Hi all,
Does anyone know how long bankruptcy stays on your credit file for. (Not ICB report).
Have been told by ptsb that I will never get a mortgage through them having been a bankrupt.
Is this legal. Im just asking asking a question so please anyone don't shoot me down.
Thanks in advance.
Going forward
Post discharge from bankruptcy or the completion of full and final settlement towards a shortfall on the sale of a house? I've had it confirmed that all debts should be removed from an ICB report after 5 years, paid or unpaid.
Eventually updating the status on that loan to withdrawn.
There's no grey area. There's legislation setting out the meaning - if either of you have ever previously had a home loan, in the republic, you're not a first time buyer.There seems to be a lot of gray area out there regarding each banks rules.
Irish banks do not lend to anyone who has defaulted in the past their internal scoring system
appears to block any new applications for ever.
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