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Error with credit check for mortgage application

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Comments

  • The_J
    The_J Posts: 1,250 Forumite
    Dave_Ham wrote: »
    This sounds like rubbish - estate agent mortgage broker???

    You need both of your reports from Experian, Equifax and Call Credit and then get someone qualified to look over them.

    There will be and almost always is an answer.

    Presume 3rd lender is Aldermore, which is probably the one who gave the broker the information...

    Great shout x2.

    We've been in this game too long :rotfl:
    The J is a Financial Advisor-This site doesn't check anyone's status and as such any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Always seek professional advice.
  • Dave_Ham
    Dave_Ham Posts: 6,045 Forumite
    Tenth Anniversary Combo Breaker
    The_J wrote: »
    Great shout x2.

    We've been in this game too long :rotfl:

    Aye - Although I am still surprised at some of the crazy things people get told by "brokers/advisers"

    Forget this Estate Agent broker, get a sensible broker and they will resolve this for you.

    Failing that send all 3 of your credit files to any one of the brokers on here and sure they will spend 10 minutes to identify the issue for you...

    Please do not wait for the rubbish your current broker is telling you, they will not get any decision overturned...
    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.
  • GMS
    GMS Posts: 5,392 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    OP are you aged 25 or over? Aldermore have a minimum age of 25 for First Time Buyers. Wonering if the broker has messed up and given a !!!! and bull excuse for the decline.
    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.
  • Dave_Ham
    Dave_Ham Posts: 6,045 Forumite
    Tenth Anniversary Combo Breaker
    GMS wrote: »
    OP are you aged 25 or over? Aldermore have a minimum age of 25 for First Time Buyers. Wonering if the broker has messed up and given a !!!! and bull excuse for the decline.


    Username may be a giveaway though..... !!
    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.
  • sjaypink
    sjaypink Posts: 6,740 Forumite
    British Gas show up on my CallCredit report but not Equifax or Experian.

    It may be that there are other utility companies that register only on CallCredit.

    You can check instantly for free on https://www.noddle.co.uk

    Good luck
    We cannot change anything unless we accept it. Condemnation does not liberate, it oppresses. Carl Jung

  • GMS
    GMS Posts: 5,392 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Dave_Ham wrote: »
    Username may be a giveaway though..... !!

    Good shout!! Didn't read it. I'll get my coat!
    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.
This discussion has been closed.
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