3 days to completion - Ordered BT Line

teffers

Ok, so I'm now thinking I've made a major error.

I complete this Friday.

Last Friday I started to organise things for the house (it's vacant possession) - Insurance etc. I also ordered a BT line to minimise the wait after Completion for it to be installed.

This obviously involved a credit check.

My lender is TSB and I have a spotless credit record.

I can see, from other posts, that the advice is not to take out ANY form of credit before Completion.

Have I !!!!ed up ?

Penelopa.Pitstop

Level on panic regarding credit checks on this forum is shocking. Are you seriously afraid that your mortgage could be stopped because BT run search on you? Probably Id check not credit anyway.

Goldiegirl

You haven't taken out credit - you've applied for a phone line.

Even if, in the remote possibility that TSB looked at your searches between now and Friday ( and it is a very, very remote possibility), your applying for a phone line would make no difference to your offer.

So relax!

teffers

Penelopa.Pitstop wrote: »

Level on panic regarding credit checks on this forum is shocking. Are you seriously afraid that your mortgage could be stopped because BT run search on you? Probably Id check not credit anyway.

I agree, I would have thought it unlikely but paranoia is a friend of mine.

The search is a 'hard' one. Clearscore is marking it as a negative as I have had a 'few searches' in the last 12 months - the only other 2x being a mortgage application last June where the house sale never went through.

"Search by BT CONSUMER FIXED for Credit Application"

teffers

Goldiegirl wrote: »

You haven't taken out credit - you've applied for a phone line.

Even if, in the remote possibility that TSB looked at your searches between now and Friday ( and it is a very, very remote possibility), your applying for a phone line would make no difference to your offer.

So relax!

Thanks Goldiegirl, appreciate the re-assurance.

teffers

As suspected, everything was fine. Completed without issue.

Thanks everyone :-)

AnotherJoe

Thanks for the update teffers and enjoy your new home

chelseablue

Congratulations!

teffers

Thanks guys ☺