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Mortgage Refeered HELP
Comments
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Not declined yet, then?
Ah well, you never know. Is the PDL activity visible on your Equifax file? If it isn't, they wont see it.I am a mortgage broker. You 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. Please do not send PMs asking for one-to-one-advice, or representation.0 -
Not sure I'm with experian I shall see if I can pull a report from Equifax now Is that who they use ?0
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RBS Group has always been Equifax focused and AFAIK it would have been an Equifax search.
Saying which, nothing seems set in stone these days, so I'm reluctant to commit to anything...I am a mortgage broker. You 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. Please do not send PMs asking for one-to-one-advice, or representation.0 -
You must be right just signed up to Equifax and the natwest mortgage application search is showing however it does not on experian yet, also some really good news I hope no sign of any PDL s !
why would this be the case ? 0 -
There are three credit reference agencies (CRAs) - Equifax, Experian and Call Credit.
Much as they would love you to think each one is omniscient, some lenders give information to only one of them and takes information from only one of them.
So, it's possible you have a credit commitment which will show on only one version of your credit file.
If you are smart, or you have a smart broker, you/they work out that from mortgage lenders A, B & C, if B only takes data from the CRA which shows you in the best light, you apply for a mortgage from B.
For example, Kensington takes data from Call Credit alone. If your Call Credit file is better than others, you would have an improved chance of success by making your mortgage application to Kensington.
If anyone reading this is paying for the daft/pointless "credit score" from any of the CRAs, stop now as you are wasting your money!I am a mortgage broker. You 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. Please do not send PMs asking for one-to-one-advice, or representation.0 -
Thanks king street- on MSE it has a table of whom Natwest use for credit searches it states experian and Equifax as my search has not been alerted on my experian would you suggest they have only used Equifax in this instance ?0
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... or MSE is wrong, a broker with thirty years experience knows more or Experian and Cal Credit haven't yet updated to reflect the search?
Who knows?I am a mortgage broker. You 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. Please do not send PMs asking for one-to-one-advice, or representation.0 -
I hope they just use the on have even crossed me toes 0
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The OP isn't the first and won't be the last to fall for this cr4p!I am a mortgage broker. You 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. Please do not send PMs asking for one-to-one-advice, or representation.0
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