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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