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Why would there be a credit check after a mortgage offer??
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usedtobeblue
Posts: 58 Forumite
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learning to live again, slowly but determined £30k in debt, but dealing with it and proud
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usedtobeblue wrote: »We got out motgage offer with Lloyds on Monday of last week but when I checked my credit file there was an unrecorded enquiry made by them yesterday? Why on earth are they doing that? I'm so anxious now! Stressed from start to finish!!
Probably to check that nothing has changed since they offered. Usually an offer is based on the fact that you will not take out any more credit accounts while the offer is in progress. If you do then they will recalculate.-== CREDIT BUILD IN PROCESS 30% COMPLETE ==-
Overdraft - £0 Used/£500 Limit
Vanquis Card - £1000 Limit
Aqua Card - £1200 Limit
Barclaycard Platinum - £2500 Limit
Credit Utilisation 11%/Savings - £18000 -
As people attempt to play games to beat the system.0
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