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Checking credit report after application

Allan87
Allan87 Posts: 465 Forumite
Part of the Furniture 100 Posts Name Dropper Combo Breaker
in Mortgages & endowments
I get Equifax's monthly alerting system so I know what changes if any are made to my credit report but I haven't actually downloaded a full check since the beginning of the year. If I download a copy now is there any chance of it influencing a decision by Halifax? I've already submitted a full application after getting a DIP and my valuation is done.

Comments

  • ACG
    ACG Posts: 24,685 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    No, you can check as much as you like. Its only when companies check it affects the score.
    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.
  • Allan87
    Allan87 Posts: 465 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    I have just checked my file and have no searches recorded in the last 3 months. Have Halifax really gone this far without performing a full credit check and is this normal?
  • kingstreet
    kingstreet Posts: 39,315 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    What does your Experian file show?
    I am a mortgage broker. 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. Please do not send PMs asking for one-to-one-advice, or representation.
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