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Halifax Mortgage offered but full search not appearing on credit report

dpat
dpat Posts: 8 Forumite
in Mortgages & endowments
Hi All,

I have recently exchanged contracts after full mortgage offer was received

However, looking at my credit report, i cannot see a full search on it. It appears as a ''mortgage quotation''

Does anyone know why it shows as quotation?

I am completing in a few weeks

Comments

  • nobodysdriving
    nobodysdriving Posts: 209 Forumite
    perhaps they are just 'taking their time'??

    don't know!

    I have 3 'credit quotations' on 3 different dates from my building society, I have yet to exchange contracts/complete, my valuation going ahead this friday
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    dpat wrote: »
    Hi All,

    I have recently exchanged contracts after full mortgage offer was received

    However, looking at my credit report, i cannot see a full search on it. It appears as a ''mortgage quotation''

    Does anyone know why it shows as quotation?

    I am completing in a few weeks

    Which credit agency?
  • Arina
    Arina Posts: 385 Forumite
    Mine is like this too. My mortgage offer is with halifax and I checked Experian, call credit and equifax and it only shows on experian x
    :beer:
  • leemuddywaters
    leemuddywaters Posts: 256 Forumite
    They only search Experian and it will probably only show as a quotation
  • chanz4
    chanz4 Posts: 11,057 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    I had one last year, never once did I have anything but quotation searches
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • dpat
    dpat Posts: 8 Forumite
    Thrugelmir wrote: »
    Which credit agency?

    It was experian
  • dpat
    dpat Posts: 8 Forumite
    Its abit odd but i think it could be a halifax thing.

    They get all the info they need from the mortgage quotation. They have done about 4 of these

    Im just scared that they havent done a full credit check and they can pull out in the last minute. I have contacted solicitors and they have confirmed that they have called Halifax and the money will be released on day before completion

    I used a broker so i hope all goes well. I have rpovided all correct information to date
  • chanz4
    chanz4 Posts: 11,057 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    also be good as they check a few days before
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
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