mortgage account showing in credit report

scotsgraeme

I know i need to talk to the lender about this, but they are closed for the evening.
on both equifax and experian my credit agreements show an open mortgage with a start date in late feb, however I don't move until late April, and have confirmed this with the mortgage company.
this account showing has a U status, which equifax say is unupdated. is this an issue in any way? should i try to have them remove the account and put a new one on when i actually start having a mortgage?
i've been stressing about the whole purchase process for so long, i think i'm just loking for something new to stress about...

Thrugelmir

Presumably you have received a formal mortgage offer that you've accepted. In which case the credit report is an accurate record of your credit status.

scotsgraeme

i thought it would only appear once the account was active, as in they had passed money to my solicitor. but when you put it like that it does seem a lot more logical. (but i expect that they can stil change their mind and pull out as ive heard of mortgage companies pulling the money at the last second, so i'l not stop stressing about things until i have keys and am in the house)
thanks

Thrugelmir

The purpose of a credit report is to inform others. Its not a reflection on you personally.

For example. People apply for mortgages then seek loans to fund the difference. This highlights their current position.