Managed to get incorrect default removed from Equifax, but do Halifax use CallCredit

*Kat*

for mortgages?

I still have it on there, I am calling them in a minute to tell them that Equifax and Experian have both removed it from my account and that I need them to do the same (their own investigation or whatever).

I'm worried they'll say it'll take 28 days or whatever though.

Do Halifax even use CallCredit/Noodle or can I be a bit more relaxed about it?

I have seen the table on the MSE website, but I'm not sure if it's 100% accurate

Thank you

amnblog

Halifax can use Experian, Equifax, and Call Credit.

Dave_Ham

And unfortunately their primary credit file used for credit profiling is now Call Credit.

*Kat*

Ugh, great. Do you know of any lenders that don't use CallCredit, I mean, I will call them and ask if they can remove it ASAP, but I need my mortgage in place by end of May...

amnblog

*Kat* wrote: »

Do you know of any lenders that don't use CallCredit

We do, you need a broker.

*Kat*

amnblog wrote: »

We do, you need a broker.

I have an IFA who the developer recommended to us, so I'd rather know myself before putting 100% trust in him.

For my own piece of mind

Dave_Ham

I can help you with that now, typically never put 100% trust in a developer/estate agent broker.

You are not going top find anything online that is accurate and tells you which lenders use which credit files..

amnblog

Dave and I keep it in our heads - and Martin and the FCA won't let us tell you unless we are 'advising you'.

audigex

(By which he means you'd have to be his actual client, not that he doesn't feel like giving you some advice)

amnblog

The problem we have is that, if we say on here that XYZ Mortgages use Experian, it can be taken as our giving the OP 'advice' to use XYZ Mortgages.


This could disadvantage our OP as although XYZ Mortgages use Experian that does not mean they are necessarily the right choice.


Also, that 'advice', is provided without knowing the clients situation sufficiently which is against regulations - giving us (and the MSE site) a potential problem with the FCA.

*Kat*

Can you just let me know if there is a lender that DOESNT use CallCredit?