Do mortgage advisors do credit checks on you?

tink_1983

I am wondering how MAs would know how good your credit it before deciding who to apply to for you. Do they do experian checks?

ACG

Ask you for a copy of your credit report?
Ask a series of questions about your credit history?

I dont do credit checks on customers, i ask them to get copies of their credit reports. They MAY get AIP/DIPs from lenders, but they need your permisson to do that as it can affect your credit score.

tink_1983

Thanks for reply.
Leads me to another question, my MA has me a aip from Halifax.

this is based on borrowing amount, which he used their affordability calculator to estimate. He put my anticipated credit score as 'A'. How would he know to do this without a credit check? Or is it a guessing game?

tink_1983

For info I do bank with Halifax. And MA asked me for my direct debit details if that's relevant at all?

kingstreet

An experienced adviser takes a view on your potential credit score based on the information you provide.

You could have continued one of your existing threads with these ongoing questions on the same subject.

tink_1983

Sorry king street and thanks. I'm new to this site & can't seem to find how to find my other posts when I go into my account section :-/

kingstreet

tink_1983 wrote: »

Sorry king street and thanks. I'm new to this site & can't seem to find how to find my other posts when I go into my account section :-/

Click on your name and use the "find more posts" link.