credit bureau data

kellysaxo

HI there my app has been referred to underwriters due to credit bureau data???
I am confused as I have up to date copies of experian and equifax and nothing showing apart from 1 late payment in jan 2012

Is credit bureau data different than the data held by credit reference agencies?

Many thanks

[Deleted User]

There are three CRAs - they often hold different information.

The referral could have been for anything - without knowing their criteria, you won't necessarily be able to spot it. Could be the late payment, or your total limits, or balances, or electoral roll, anything.

GingerBob_3

kellysaxo wrote: »

HI there my app has been referred to underwriters due to credit bureau data???
I am confused as I have up to date copies of experian and equifax and nothing showing apart from 1 late payment in jan 2012

Is credit bureau data different than the data held by credit reference agencies?

Many thanks

As far as I know, 'credit bureau' is what the Americans call a credit reference agency, so they are one and the same thing.

kingstreet

Check your current Equifax file, as that is what RBS Group uses for mortgage applications.

Hazzinho

Check Noddle (Callcredit), that is the one report you haven't seen.

kellysaxo

HI I have access equifax and noddle and again nothing adverse showing apart from 1 late payment for £11 in jan 2012. This is so odd.