Mortgage credit searches

partan

Hi, I'm currently in the process of applying for further lending on my mortgage (went through the application on the phone, they sent it out to me & I signed it and sent it back few days ago).

However yesterday i got a warning from credit expert about a late payment on my file. (this was a late payment to orange due to direct debit getting mucked up when i changed current accounts).

I assume mortgage co will be doing a check on me, has anyone any idea when the check would be done, and if this late payment will impact on my application.

Am a bit peed off, as orange said that the late payment wouldnt go on my credit file, it would just be internal, so i didnt pursue it further.

Thanks for any help

cymonguk

I seriously doubt it if this is the only bad mark you will have any problems. Heck this is so trivial they wont blink twice. They get a score from the CRC based on your overall history, one missed payment wont matter a jot,