3 Searches on a single mortgage application?

MaebyJade

I made a mortgage application to Halifax, via a broker, on Monday. Yesterday Halifax agreed to the application subject to a satisfactory valuation, happy days. Anyway today whilst checking my credit file, I notice Halifax have made 3 separate search on my credit report. Is this normal? I was expecting 1 maybe 2. I called Experian to query this and they seem to think there might have been a mistake, as there aren’t normally 3 searches on a single application.

Thanks

PaulW922

Are they all full searches? Some may be ID checks and so on..

MaebyJade

PaulW922 wrote: »

Are they all full searches? Some may be ID checks and so on..

Yep, 3 hard searches. Experian said they will contact Halifax to query if these are correct or 3 genuine separate searches, Experian said they think it's a mistake. I'm not planning on applying for any credit and time soon but would like them removing if duplicates.

YorkshireBoy

Are they all identical tags? Could you list the exact wording.


Were they all dated the same day?

stclair

MaebyJade wrote: »

I made a mortgage application to Halifax, via a broker, on Monday. Yesterday Halifax agreed to the application subject to a satisfactory valuation, happy days. Anyway today whilst checking my credit file, I notice Halifax have made 3 separate search on my credit report. Is this normal? I was expecting 1 maybe 2. I called Experian to query this and they seem to think there might have been a mistake, as there aren’t normally 3 searches on a single application.

Thanks

Why? call experian and not the halifax direct.

MaebyJade

YorkshireBoy wrote: »

Are they all identical tags? Could you list the exact wording.


Were they all dated the same day?

Yeah all on the 4th when my application was submitted and all say "First Mortgage". I did double check with my broker that the application was only submitted once and he confirmed it had so it's not because of that.

stclair wrote:

Why? call experian and not the halifax direct.

Initially I just thought it was a mistake with the Experian report so they were my first port of call and they offered to contact Halifax on my behalf. They said they normally get a response within a week so if I don't hear from them by then I'll contact Halifax myself.

Mummyto4kids

My Halifax application has the same thing - three hard searches, one on the day of AIP and two on the full app day - they explained it to me tho - a default showed on the soft AIP search so it automatically then became a hard search and they included Call Credit. then the full search is recorded twice, once with me as a main applicant and once as a linked applicant because its a joint application with my husband.


I don't know if yours is the same but this is what they told me when I asked about the duplicate entries

MaebyJade

Mummyto4kids wrote: »

My Halifax application has the same thing - three hard searches, one on the day of AIP and two on the full app day - they explained it to me tho - a default showed on the soft AIP search so it automatically then became a hard search and they included Call Credit. then the full search is recorded twice, once with me as a main applicant and once as a linked applicant because its a joint application with my husband.


I don't know if yours is the same but this is what they told me when I asked about the duplicate entries

Ahh that makes sense. Yes I do have defaults and it was a joint application. Thanks Mummyto4kids