Should i avoid searching compaison sites while mortage application is going through?

Beancounter

westv wrote: »

Sorry but this makes no sense. How can there be a credit search before credit is asked for? I can understand it being done once a product is finally selected and monthly payments are the option requested but to make a search based purely on a quote is ridiculous seeing as many people will pay annually.

Surely they need to tell you before you click on search that a credit search may be undertaken?

TravelBugHappy

I personally always use these comparison sites and they've always shown up as 'Quotation Search' or 'Insurance' as the link from experian suggests that they would.

I have learned an awful lot on this site but sometimes think hmmmmm.

Landofwood

You won't be penalised for using a comparison site.

Imagine the Daily Mail headlines.

westv

Westminster wrote: »

I always give a false name, phone number and subtly different DOB etc when using these sites - its such a pain going through the opt-out for marketing

I do the same and I'm sure many others do too.

Gadge2011

I've thought it odd that they do appear on your record since there is no verification..It sounds like a major flaw since malicious individuals could have a field day with this.

topcat007

How does a record get attached to your credit record? DO they need a match on your registered address , name and DOB as if i am searching for house insurance on a different address maybe it does not match anyway?

csgohan4

Quickest way to check is get a credit report and see if there is a footprint. That's the only way to be sure, rather than speculating.


As previous people have mentioned, I normally use random names and addresses so I don't get junk mail/email.

topcat007

csgohan4 wrote: »

Quickest way to check is get a credit report and see if there is a footprint. That's the only way to be sure, rather than speculating.


As previous people have mentioned, I normally use random names and addresses so I don't get junk mail/email.

Do they only get updated every 30 days though i read they are not in real time

orionmoo

I had the equifax credit report thing for 2 months whilst applying for mortgage and a loan, and I always got emails one or two days after using confused.com to say "a change has been made to your credit file!"

Definitely a visible footprint from them

westv

So who's gone to be the one to write to the Daily Mail then?