We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Mortgage: Credit File Inaccuracies
Ingah
Posts: 27 Forumite
I'm looking to take out a mortgage soon but my credit files have shown up some issues and I was wondering if they might matter at all:
1. A 3 year gap showing in the electoral registeration details from 2010 to 2013. I'm currently on the electoral register from both 2008 - 2010 and 2013 - Present at my current address. I have lived at this current permanent address since 2008.
2. A few linked student addresses from when i was a student 4-5 years ago and unwisely registered a bank account at the student addresses (which I wasn't staying at for the most part,so they were never a permanent address).
3. One incorrectly linked address (i.e. flat number was wrong) and another link to that same incorrect address, with my name incorrect.
4. Wrong "time at address" showing for a credit card application made about a year ago - it shows 3 years instead of 7.
I was also wondering how to fill in a mortgage application regarding the student addresses (as i'm assuming it will not easily allow me to explain?) - i've been living in my current address for 7 years and I never 'moved' to the student addresses (i was back at forth, but mainly at my current address), but they show up in my credit file and i did move one (of my many) bank accounts to them...
1. A 3 year gap showing in the electoral registeration details from 2010 to 2013. I'm currently on the electoral register from both 2008 - 2010 and 2013 - Present at my current address. I have lived at this current permanent address since 2008.
2. A few linked student addresses from when i was a student 4-5 years ago and unwisely registered a bank account at the student addresses (which I wasn't staying at for the most part,so they were never a permanent address).
3. One incorrectly linked address (i.e. flat number was wrong) and another link to that same incorrect address, with my name incorrect.
4. Wrong "time at address" showing for a credit card application made about a year ago - it shows 3 years instead of 7.
I was also wondering how to fill in a mortgage application regarding the student addresses (as i'm assuming it will not easily allow me to explain?) - i've been living in my current address for 7 years and I never 'moved' to the student addresses (i was back at forth, but mainly at my current address), but they show up in my credit file and i did move one (of my many) bank accounts to them...
0
Comments
-
Speak to your broker and have them deal with the address issue.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
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.8K Banking & Borrowing
- 254.5K Reduce Debt & Boost Income
- 455.6K Spending & Discounts
- 247.6K Work, Benefits & Business
- 604.5K Mortgages, Homes & Bills
- 178.6K Life & Family
- 262.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards