Hi how long are you blacklisted for ?

hi ,when i was 18 ,i got into debt ,i had a mortgage but i was living with a violent partner he used to belt me around and i ended up having a detached retina ,well thats a different story ,i had to give my house up cause i couldnt work i just gave the keys in to the bank ,i am now 33 and can get credit cards ,a bank cards etc ,but i wont be able to have another mortgage until i pay it off cause i owe the bank ,that will never go away until i pay the bank will it ?

Answers:
Hello, It can only stay on your record for 7 yrs or 180 days from the date you where first late. 7.5 yrs max. Look at the free site I have listed below. they have limited info right now but will be adding more soon. Look at Authorized user to help you. Also they can get your foreclosure off your credit but that is a fee for the info.

Good luck
Blacklisting totally depends on what it was for. I had credit problems that only lasted 2 years and now I'm getting my first mortgage. Yay! If you can now get credit cards you're in with a chance. You need to get a mortgage advisor. I know an excellent one as long as you're in the UK (I can't always tell on here). You don't pay her any money, the mortgage companies do. She should be able to tell you if you're eligible or not. You should try and find one. If you want the details for mine then just send me an email (libbyland129@yahoo.co.uk)

Hope it works out
Libby
Probably not but you say youu can get a bank card and a credit card. My step daughter claimed bankruptcy due to credit card debt and student loans. She had a credit card that she hadn't used so she was told to charge little things like a pizza and then pay it off each month. This helped her build back her credit rating to the point she can now get a mortgage if she so desires.
It will never go away

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