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    • annajo123
    • By annajo123 6th Sep 17, 10:53 AM
    • 2Posts
    • 0Thanks
    mortatgage and credit history
    • #1
    • 6th Sep 17, 10:53 AM
    mortatgage and credit history 6th Sep 17 at 10:53 AM
    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

    Last edited by annajo123; 06-09-2017 at 10:55 AM. Reason: spelling
Page 1
    • amnblog
    • By amnblog 6th Sep 17, 11:20 AM
    • 9,750 Posts
    • 3,766 Thanks
    • #2
    • 6th Sep 17, 11:20 AM
    • #2
    • 6th Sep 17, 11:20 AM
    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.
    • annajo123
    • By annajo123 6th Sep 17, 11:36 AM
    • 2 Posts
    • 0 Thanks
    • #3
    • 6th Sep 17, 11:36 AM
    • #3
    • 6th Sep 17, 11:36 AM
    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,
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