Precise Mortgages who do they use to check

Ddl158

grifo2015 wrote: »

I know they use
Experian at dip stage and equifax at full app.

How do you know this? Is this the case everytime?

dfw1980

Ive just had an offer from Precise.they did a search on both experian and equifax at application and again the day before the offer came through

Ddl158

dfw1980 wrote: »

Ive just had an offer from Precise.they did a search on both experian and equifax at application and again the day before the offer came through

Congratulations!
Do you mean at your decision in principle or full application? I have DIP, but waiting to submit full application so very nervous as I have late payments showing on Equifax but not experian from the same company! I have tried to dispute it but they refuse to remove them from Equifax even though they don't show on experian- very frustrating :mad:

dfw1980

Experian at dip

amnblog

Ddl158 wrote: »

Congratulations!
Do you mean at your decision in principle or full application? I have DIP, but waiting to submit full application so very nervous as I have late payments showing on Equifax but not experian from the same company! I have tried to dispute it but they refuse to remove them from Equifax even though they don't show on experian- very frustrating :mad:

Late payments would not help but are not a deal breaker with Precise in themselves (we assume they are not late payments on a mortgage?).

Ddl158

amnblog wrote: »

Late payments would not help but are not a deal breaker with Precise in themselves (we assume they are not late payments on a mortgage?).

No, it was a credit builder loan through a pre paid Mastercard, the amount was Only £5 and was paid a few days late as they don't take it out on the same date each month. I have no loans or current mortgages.