Am I committing Fraud or will it work?

joe298487

Hello

I recently signed up to a well known credit score website.

i filled in all of my address details correctly using there postcode and number and clicking my address.

The thing is that there are two flats at my address and they only had one option the main address.

I added that to continue got my credit report and i have really good credit.

However i am sure if I make the correction to the the address more creditors will be added and the report will be worse. I am desperate to get a mortgage and have been trying to move since the banking crisis. The question is do i present the credit report with only three creditors when i think i have 7 or 8.

is this fraud? will they find out? can I get away with it?

[Deleted User]

Your score has no meaning and no one sees it.

Update your address.

glentoran99

Your score is meaningless

joe298487

sorry i should have said the actual credit report is only showing 3 creditors and i believe i have about 7

kingstreet

When you submit the application and present evidence of identity/address the lender will use the Royal Mail postal address format output, so you'll be re-scored regardless.

http://www.royalmail.com/find-a-postcode

Either that or it just won't allow you to proceed with the incorrect details.

kingstreet

joe298487 wrote: »

sorry i should have said the actual credit report is only showing 3 creditors and i believe i have about 7

Which versions of your credit file have you obtained?

Some credit providers may feed data to only one, or perhaps two. You will not usually find the same data on all three.

joe298487

thanks for your reply, do the banks run there own credit check or do they use the example i provide from experian?

thanks for your help

[Deleted User]

Lenders use the data from one or more of the CRAs. They make their decisions based on that, your application and any other data they have.

joe298487

thanks zx81 so the credit report i send the mortgage broker is for what? do they use this or do they carry out there own search?

[Deleted User]

The broker just wants to see what he's dealing with - ie the general state of your credit history. Brokers don't do searches themselves as they don't lend money - they're a middle man.

He will likely want all three, unless he believes he has already narrowed the choice down to specific lenders.

joe298487

ok thanks but what is still not clear.

We have provided a credit report sent to broker.

will the lender use this report or will they issue there own credit check?