We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Further credit check after amending property details

Options
cjv
cjv Posts: 513 Forumite
Third Anniversary 100 Posts Name Dropper Newshound!
edited 17 February 2019 at 1:15AM in Mortgages & endowments
Just noticed a new hard search on my credit files from Halifax, would this be due to changing the postcode of the property recently? it was incorrect on the MOS, my original mortgage offer was back on the 7th December with the original credit checks being done (on the 26th November) without any problems.

Just a little worried and it is the weekend so I can not ask my broker, was hoping some of the resident brokers here would know how Halifax operate.

Comments

  • Xyzzy
    Xyzzy Posts: 67 Forumite
    Third Anniversary
    CJV, yes, a new hard search is done when property details are amended
    Was this your error or their error? If it will cause you an issue you can request to have the duplicate search removed from your file, only if its their error.
    I am a Mortgage Adviser
    ______________________________________
    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. Posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • cjv
    cjv Posts: 513 Forumite
    Third Anniversary 100 Posts Name Dropper Newshound!
    Thank you, that has put my mind at ease.

    It was not their error as the developer had issued the MOS with an incorrect postcode. The duplicate search should not cause me any problems. Other than Halifax checking my credit twice in the last couple of months, I have no other hard searches within the last 12 months.

    Hopefully I will receive the amended offer documents next week so I can relax again!
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.9K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.5K Spending & Discounts
  • 243.9K Work, Benefits & Business
  • 598.8K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.