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Full Factual: Have you ever been burned by it?


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Posted by Judgmental (24.19.14.254) on January 27, 2004 at 15:35:17:

For those of you who may not be familiar with the full factual, it's a credit report/background check that pulls everything ever reported *regardless* of whether it has aged off the report or not.

At some stage, I would like to purchase a home. I'm concerned that unpaid debts which have fallen off my report will bite me in the ass later when the mortgage lender pulls a full factual.

I'm already prepared to explain any unpaid debts to an employer if it should come up, but I'm not sure what to expect from a mortgage lender.

Does anyone have any personal experience with this?





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