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Halifax Decline
hklad
Posts: 13 Forumite
Hi all
I've received a decline from Halifax. Reason given by broker was "credit score".
Broker told me to download Experian report. Experian report was empty for me, it contained no information for the last 7 years, i.e. my existing mortgage or credit cards etc weren't on there. It only had me at my old parents address. Prior to application I had an AIP agreed and had provided broker with copies of Equifax and Callcredit which had all the correct info. I have now entered my correct address on Experian and it has pulled all the correct data in.
My question is - is it worth an appeal? On the basis that the blank Experian has caused the decline? Its worth me adding that I haven't got the greatest credit score but did pass the AIP.
Many thanks for any advice.:(
I've received a decline from Halifax. Reason given by broker was "credit score".
Broker told me to download Experian report. Experian report was empty for me, it contained no information for the last 7 years, i.e. my existing mortgage or credit cards etc weren't on there. It only had me at my old parents address. Prior to application I had an AIP agreed and had provided broker with copies of Equifax and Callcredit which had all the correct info. I have now entered my correct address on Experian and it has pulled all the correct data in.
My question is - is it worth an appeal? On the basis that the blank Experian has caused the decline? Its worth me adding that I haven't got the greatest credit score but did pass the AIP.
Many thanks for any advice.:(
0
Comments
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Your experian was only blank for you because you didn't put the correct address in.
Your bank would have put the correct address in, so they would have seen your data.0 -
Thanks. So basically its a bog standard decline. Back to the drawing board then.0
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No lenders except you can see the credit score so that can't be the reason.0
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What is the broker doing about this?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 -
He's asked for copies of the Experian so he can analyse and appeal.0
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Did he not have the experian report before he put the case in?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 -
I supplied Equifax and Callcredit....He didn't ask for Experian.0
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