Mortgage & Credit Score

hugp_14_12

Hi

I am planning to buy a property with my partner we already found the property and we made an offer but i am worry about the credit score for the below 2 reasons

- 3 months ago i moved to new electricity provider and my credit score dropped from excellent to fair (Experian)

- My partner been registered to the Electoral roll 5 weeks ago, but she doesn't appear to the credit history. This can take many weeks but we added a correction of note to Experian, says that my partner is register to Electoral Roll and she has the documents to prove that but due to annunal canvas that may take long

We dont have loans, overdrafts, credit cards etc apart from the above reasons our history is excellent. Should i worry that i maybe rejected (Santander is the lender)

STG_2015

From what I'm told it seems the credit report is more important than the score but I'm no expert

ACG

Remove the notice of correction, they will always ensure the credit check systems trip up and make absolutely no positive impact what so ever.

There are times you would pass the credit checks but the notices cause the system to fall over and refer to an underwriter causing unnecessary delays.If a lender has an issue about the voters roll they will ask about it.

Also as per above, score is worthless.

Thrugelmir

hugp_14_12 wrote: »

- My partner been registered to the Electoral roll 5 weeks ago,

..........and previously?

Registration should be made on the electoral annually.