Nationwide doing a hard search....

kezzygirl

We have an agreement in principle with nationwide for our mortgage. We have had an offer accepted on a house and so it's all systems go with the mortgage application!!! Nationwide have carried out a hard search on my file only (I'm higher earner) and its only visible on clearscore currently. Is it normal for them to hard search on only one applicant so far for the aip?

Malc00

It should have been both of you if you are both named. Maybe it is still filtering through to show on the other applicant.

mallen

I was declined with Nationwide. They Credit searched EQ and CC and used EXP for a ID check.

kezzygirl

mallen wrote: »

I was declined with Nationwide. They Credit searched EQ and CC and used EXP for a ID check.

Declined at aip? or full mortgage application?

goodwithsaving

mallen wrote: »

I was declined with Nationwide. They Credit searched EQ and CC and used EXP for a ID check.

Peoples' circumstances differ. Don't scaremonger.

mallen

At AIP, as I said Nationwide used EX and CC which didn't paint my credit in a good light. If you're past the AIP you should be OK.

How is that scaremongering? Just sharing my experience.

kezzygirl

Thanks everyone....yes, it was filtering through and is now showing on hubs' credit report. Mortgage application going in tomorrow morning.....so nervous! Wish us luck ��