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mortatgage and credit history
annajo123
Posts: 2 Newbie
Hi there,
Wonder if anyone could help with my query? I've got an agreement in principle with Halifax, via a broker. My credit score is good, however in the past I defaulted on a credit card with Halifax - I was a student and it has since been settled and dropped off my credit score. I'm having a panic because we've just had an offer accepted on a house and it suddenly occurred to me that, where other lenders will only see my credit report, Halifax might run their own check internally and spot the default. Does anyone know how it works and if this is possible?
Many thanks
Jo
Wonder if anyone could help with my query? I've got an agreement in principle with Halifax, via a broker. My credit score is good, however in the past I defaulted on a credit card with Halifax - I was a student and it has since been settled and dropped off my credit score. I'm having a panic because we've just had an offer accepted on a house and it suddenly occurred to me that, where other lenders will only see my credit report, Halifax might run their own check internally and spot the default. Does anyone know how it works and if this is possible?
Many thanks
Jo
0
Comments
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Have you made your broker aware of this? If not, you should do so.I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
Didn't mention it because it's no longer on my report and I thought it didn't matter- I'll give him a ring,0
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