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Joint mortgage only one credit check?
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Bouncybubbles
Posts: 241 Forumite
Hi all
We have had our mortgage offer for over 5 weeks now. However looking back I haven't had a credit check?!?! We only had to send in payslips, P60 and ID. My partner has got several showing on his from the bank. However mine has none at all! Not even at AIP stage? Is this right? I know I'm being daft but can't understand it. Also I apied for a small increase on my credit card and it was declined straight away??? Is this due to credit checks not showing yet? As the CC limit check is on there now! I'm so confused
We have had our mortgage offer for over 5 weeks now. However looking back I haven't had a credit check?!?! We only had to send in payslips, P60 and ID. My partner has got several showing on his from the bank. However mine has none at all! Not even at AIP stage? Is this right? I know I'm being daft but can't understand it. Also I apied for a small increase on my credit card and it was declined straight away??? Is this due to credit checks not showing yet? As the CC limit check is on there now! I'm so confused
Love my DMP left to pay £0/ £10162.51 :beer:
Est DFD 11/2018
Actual DFD 09/2017
£2 savers club: number 88 £14 so far!
Wombling free number 41 £6 so far!!
Emergency fund £50/£1000
Est DFD 11/2018
Actual DFD 09/2017
£2 savers club: number 88 £14 so far!
Wombling free number 41 £6 so far!!
Emergency fund £50/£1000
0
Comments
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There's another thread regarding this floating about somewhere. What lender you with? X:beer:0
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Hi thanks for your reply
it's with santander via a broker. I'm not overly concerned to be honest as we have the offer. But I'm just curious why a CC increase was declined as if the searches are there (I know recent searches detremental in short time period). Love my DMP left to pay £0/ £10162.51 :beer:
Est DFD 11/2018
Actual DFD 09/2017
£2 savers club: number 88 £14 so far!
Wombling free number 41 £6 so far!!
Emergency fund £50/£10000
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