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Mortgage application and credit file what do they see
cancatsdance
Posts: 58 Forumite
When i do a full application this week and they check my credit file what exactly do they see ?
do they see my current accounts or all closed accounts too ?
do they see my current accounts or all closed accounts too ?
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Comments
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There are 3 credit agencies, they usually all vary slightly in that not all 3 agencies show every different credit provider.
But if you get one of them, it will give you a good idea of what is on there.
The 3 credit agencies are experian, equifax and call credit. You can get a free 30 day trial or pay £2 for a copy or pay £15 a month. There is also a free version called noddle.co.uk - it asks for card details but that is just to verify you.I am a Mortgage AdviserYou should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
The closed accounts are on the credit file as well as the active ones.I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
cancatsdance wrote: »When i do a full application this week and they check my credit file what exactly do they see ?
do they see my current accounts or all closed accounts too ?
They will see everything/all sections you can see in your reports except for names of lenders, so instead of say Santander bank account, it would probably show as XXXX Bank, or perhaps Bank 1 etc.
The free versions to check your credit files are below:
Experian: https://www.moneysavingexpert.com/creditclub
Equifax: https://www.clearscore.com
Call Credit: https://www.noddle.co.ukI'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com0
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