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Mortgage - Credit File.
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s03jlord1
Posts: 8 Forumite
Hi All.
Is it normal for a mortgage to not show on a credit file?
I have a fairly new mortgage (over 2 months, made 2 payments) however it doesn't show on my equifax or experian accounts yet?
However other credit contracts I've taken out since i got my mortgage (Virgin TV / other Bank account for bills to come out of) already show on my credit file.
My mortgage is with NatWest - prior to me getting a mortgage approved with them, they combed through my credit files in such detail that i would have thought they would have reported it promptly and recorded two payments made.
Or is this expected?
Thanks
Is it normal for a mortgage to not show on a credit file?
I have a fairly new mortgage (over 2 months, made 2 payments) however it doesn't show on my equifax or experian accounts yet?
However other credit contracts I've taken out since i got my mortgage (Virgin TV / other Bank account for bills to come out of) already show on my credit file.
My mortgage is with NatWest - prior to me getting a mortgage approved with them, they combed through my credit files in such detail that i would have thought they would have reported it promptly and recorded two payments made.
Or is this expected?
Thanks
0
Comments
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There are three CRAs, it might be the third one your mortgage company reports to.Mortgage started 2020, aiming to clear 31/12/2029.0
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My mortgage is with NatWest, took it out Sept 2018 and it shows up on all 3 credit files. Mine was showing within the first month. It also shows on all 3 of my OH’s too.
Why did they comb through your files? All they should have done is a hard search. Or do you mean your broker?
You should contact NatWest and get them to report your account to the 3 CRA’s.I'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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