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Building society credit search
thumpertwinkle
Posts: 69 Forumite
Just checked my credit report and it shows a credit search from a building society, 3 days ago,which I knew nothing about. I suspect it may have been done by my broker, can brokers do this without prior consent? I do understand the reasons for doing it as it was looking a bit grim with the FMA put in elsewhere but surely this should have been discussed with me first.... Also I do not know the outcome of it!
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Comments
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The broker should have requested permission to run that search (if indeed they did I so) at some point.
We do not know what your broker's processes are; we never run a score without checking with the borrower first.
Ask your broker why this has happened?I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, 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.0 -
As above, we cant just do a credit search without your permission.
Who was the building society? Some lenders do soft footprints which will have no material impact on future credit searches.I am a Mortgage AdviserYou 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.0 -
I am going to ask him about it as I thought that. It is Skipton. If it were a soft search would it show on my file though to me?0
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