Precise Mortgages - Which Credit Reference Agency?

ellison007

Hi, I wonder if anyone can help? We were offered an AIP with Precise on 11/1; I noticed a 'soft credit check' with Experian the day after on my report?


Just wondering which CRA they use at full app stage? Is it Experian a second time? Experian & Equifax or, do they credit callcredit/noddle as well?


Many thanks...

amnblog

Dropped Halifax then have we?


Precise use both Experian and Equifax but not Call Credit.

ellison007

Hi, thank you for the reply. That's very helpful. Nope, Precise offered me the first AIP with a 3.55% rate on HTB & then the same afternoon I had a pre booked appointment with Halifax who have also offered me an AIP later that day.


We're buying a new build so currently waiting for the plot to be released. I suppose isn't better to go with the Halifax?


btw, you said in an earlier post that Halifax use Experian at soft check AIP stage & then all Equifax, Experian & CC at full app stage. I read an article on this website which states that Halifax only use Experian? Is that incorrect? I have an internal A4 credit rating with Halifax so, hopefully all should be OK.


ps - it's very kind of you to reply to posts on this forum; clearly there are many people worried for one reason or another.

Neliltsylor5

I can 100 per cent confirm only Experian

amnblog

ellison007 wrote: »

btw, you said in an earlier post that Halifax use Experian at soft check AIP stage & then all Equifax, Experian & CC at full app stage. I read an article on this website which states that Halifax only use Experian? Is that incorrect? I have an internal A4 credit rating with Halifax so, hopefully all should be OK.


ps - it's very kind of you to reply to posts on this forum; clearly there are many people worried for one reason or another.

I believe I am correct unless things have changed.

I will check next week.

ellison007

I have looked at my call credit report & there are soft credit checks on there for the Halifax mortgage promise done in January. Also a soft credit check on Experian.


So, do you know if they use Experian AND Call Credit at full app or, just Experian?


Cheers.

ellison007

is that 100% sure they only use Experian at full app stage?


Thanks.

jessnat995

ive had precise look at clear score also , so they have checked all 3 in my case, and my wifes too

ACG

I was pretty sure Precise checked equifax and experian, one at DIP and one at App...Could be wrong though, it has been a while since I have had to use them.

David_White

Neliltsylor5 wrote: »

I can 100 per cent confirm only Experian

I have had cases with Precise where they have 100% checked both Experian and Equifax.

amnblog

Precise do use both Experian and Equifax David - you are correct.