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credit bureau data
kellysaxo
Posts: 70 Forumite
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
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
0
Comments
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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.0 -
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.0 -
Check your current Equifax file, as that is what RBS Group uses for mortgage applications.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
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Check Noddle (Callcredit), that is the one report you haven't seen.0
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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.0
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