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Applying for mortgage but have credit file disaster
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BoiledBreadTomatoSauce
Posts: 93 Forumite
Just looked at checkmyfile and have uncovered some major problems.
Firstly, despite the fact I am on the electoral register and voted as recently as December, only Experian have me down on the electoral roll.
Secondly, my main bank, plus the credit card I have with them is suppressed and not available to view. I contacted checkmyfile customer support and they said it was because the DOB associated with it is wrong. I called the bank and sure enough, they have had my DOB one digit out all along.
My savings account with the same bank didn't even show up.
I changed my DOB details with my bank, but I understand it will take months to show up at the credit reference agencies.
Will lenders still be able to see my bank info even though there was an error?
Is there anything I can do to speed up the process i.e. contact all credit reference agencies with the info or send them a headed letter from the bank?
I passed the mortgage in principle but no idea what effect this will have. I assume catastrophic unless I can sort something out quickly.
Firstly, despite the fact I am on the electoral register and voted as recently as December, only Experian have me down on the electoral roll.
Secondly, my main bank, plus the credit card I have with them is suppressed and not available to view. I contacted checkmyfile customer support and they said it was because the DOB associated with it is wrong. I called the bank and sure enough, they have had my DOB one digit out all along.
My savings account with the same bank didn't even show up.
I changed my DOB details with my bank, but I understand it will take months to show up at the credit reference agencies.
Will lenders still be able to see my bank info even though there was an error?
Is there anything I can do to speed up the process i.e. contact all credit reference agencies with the info or send them a headed letter from the bank?
I passed the mortgage in principle but no idea what effect this will have. I assume catastrophic unless I can sort something out quickly.
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Comments
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Why did they tell you it would take months?0
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From what I've read it takes 1-2 months for info to update at credit reference agencies.
I don't have time as I already put my mortgage application in.0 -
Should be okay, as long as you can see it on your credit report then they can too.
Ask for it in writing from your bank and if the mortgage advisor asks, provide that letter which can hopefully assist you.0 -
Should be okay, as long as you can see it on your credit report then they can too.
Ask for it in writing from your bank and if the mortgage advisor asks, provide that letter which can hopefully assist you.
I only just changed it with the bank but checkmyfile haven't lifted the suppression yet.
Fingers crossed! I applied for the mortgage on Saturday so hopefully all goes through quickly enough.0 -
BoiledBreadTomatoSauce wrote: »Just looked at checkmyfile and have uncovered some major problems.
My savings account with the same bank didn't even show up.
.
Savings accounts are not reported to credit reference agencies as they are not 'credit' products, so don't worry about that0
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