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Credit Report Problem
Calibos
Posts: 11 Forumite
Hi,
I looked at my Experian credit report the other day and they had got my address a bit wrong.
Therefore it is not showing much credit history for me. It even says that I am not on the electroral roll (which I have been for the last 5 years at this address).
By contrast Equifax shows all my history and shows that I am on the electoral roll.
I have wrote a letter to Experian with the changes they need to make, but it make take awhile.
I have had an offer on a house accepted and need to get a mortgage asap.
I've got a mortgage in principle with Leeds Building Society (who say they do a credit check before giving you a mortgage in principle). So that sounds promising. Will they do another credit check when I apply for the mortgage ?. Im also putting down £32000 which is a 20% deposit.
Im thinking of just going ahead with the Leeds mortgage and keep my fingers crossed.
Im not sure what else to do.
I looked at my Experian credit report the other day and they had got my address a bit wrong.
Therefore it is not showing much credit history for me. It even says that I am not on the electroral roll (which I have been for the last 5 years at this address).
By contrast Equifax shows all my history and shows that I am on the electoral roll.
I have wrote a letter to Experian with the changes they need to make, but it make take awhile.
I have had an offer on a house accepted and need to get a mortgage asap.
I've got a mortgage in principle with Leeds Building Society (who say they do a credit check before giving you a mortgage in principle). So that sounds promising. Will they do another credit check when I apply for the mortgage ?. Im also putting down £32000 which is a 20% deposit.
Im thinking of just going ahead with the Leeds mortgage and keep my fingers crossed.
Im not sure what else to do.
0
Comments
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I'm pretty sure a full credit check is run when a full mortgage application is processed. Others may know which credit reference agency is used by Leeds.0
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Leeds are an Equifax only lender.
Usually they just do the one credit search like the majority of lenders.I am a Mortgage Adviser
You should note that this site doesn't check my status as a Mortgage Adviser, 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
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