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Aldermore credit report
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Jb75
Posts: 9 Forumite
Hi All,
Have applied through Broker to Aldermore for mortgage - I understand that they don't credit score but they do request credit reports.
Does anyone know which CRA(s) they use please?
Have applied through Broker to Aldermore for mortgage - I understand that they don't credit score but they do request credit reports.
Does anyone know which CRA(s) they use please?
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Comments
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Nobody credit scores.
Aldermore concentrate on Experian though for the report.0 -
Nobody credit scores.
.
Not quite. There is a difference between a consumer score that an individual customer can choose to obtain from a Credit Reference Agency and a lender score that some lenders calculate / determine using their own internal scorecard, based on lender specific criteria.0 -
Hi All,
Have applied through Broker to Aldermore for mortgage - I understand that they don't credit score but they do request credit reports.
Does anyone know which CRA(s) they use please?
Why do you ask?I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, 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.0 -
Not quite. There is a difference between a consumer score that an individual customer can choose to obtain from a Credit Reference Agency and a lender score that some lenders calculate / determine using their own internal scorecard, based on lender specific criteria.
Surely that's moot? The information comes out and whether it's numbered or assigned an item of fruit is irrelevant to anyone outside the office.0 -
Most lenders score your application.
They take the information (not the score) on the credit report and combine it with the information on the application to score the application.I am a Mortgage AdviserYou 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.0 -
my application is going through and ive had two soft searches and a hard search when i put in my application on experian
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