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Mortgage app- advice please
Comments
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Most lenders allow a bit of leeway before registering late payments so if your payment was only three days late I'd be a little surprised if it is registered as late.
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Posts by James Jones, Neil Stone, Stuart Storey & Joe Standen0 -
Hi,
Thanks for the replies,
I've checked my credit file today, with equifax and callcredit and they both show it as a late payment, And i think ybs use equifax. I called the cc company today and they said they would change it to a query rather than a late payment.....
Mortgage appointment tomorrow....
I did ask them to remove it, but no joy.
Is the query ok to have on file or is it still a negative ?
thanks0 -
My guide says all three CRAs, but that may be the difference between YBS, Chelsea, N&P and Accord.And i think ybs use equifaxI 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.0 -
kingstreet wrote: »My guide says all three CRAs, but that may be the difference between YBS, Chelsea, N&P and Accord.
Thanks, I got the equifax from ybs website where it explains the application process, it says "we use equifax"0 -
Could well be. The other members of the group may use the other CRAs from historic agreements.Thanks, I got the equifax from ybs website where it explains the application process, it says "we use equifax"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.0 -
Update-AIP approved, awaiting full application now!0
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