Full mortgage application in halifax

Serdar048

mard3010 said:

My broker just told me they are not "underwriter checks" (No idea what that means) as I have a notice of correction on my credit file, but it is about that I cannot register to vote as I am not UK citizen therefore I am not registered in the electoral roll. Broker said it will take now 2 days to come back with a decision.
 

I have got same notice of correction on my credit report due to electoral roll ma asked me when i send full application said there is something come up if underwriter ask what should she said i told her that im not eligible to register so made it notice of correction hope that wont make any problem ...

mard3010

Serdar048 said:

mard3010 said:

My broker just told me they are not "underwriter checks" (No idea what that means) as I have a notice of correction on my credit file, but it is about that I cannot register to vote as I am not UK citizen therefore I am not registered in the electoral roll. Broker said it will take now 2 days to come back with a decision.
 

I have got same notice of correction on my credit report due to electoral roll ma asked me when i send full application said there is something come up if underwriter ask what should she said i told her that im not eligible to register so made it notice of correction hope that wont make any problem ...

Well that is what I said, that I am not eligible to vote and that is why i am not in the register. And I put that notice of correction on my credit report.
When did you apply? are u not UK citizen?
Cheers,

putopao

Who entered that correction in your credit reports? 

putopao

I am not a UK citizen as well so not in the electoral vote but there is no correction in credit report based in my clearscore. 

putopao

Why do did you put a correction in your report? Who advised you to do that? 

mard3010

putopao said:

Why do did you put a correction in your report? Who advised you to do that? 

I just read it last year that sometimes mortgages are declined when you are not in the electoral roll, and a NoC needs to be put on it, I asked the agencies (experian, credit karma y clearscore) to add it, maybe was a mistake. But not sure tbh  

Serdar048

mard3010 said:

Serdar048 said:

mard3010 said:

My broker just told me they are not "underwriter checks" (No idea what that means) as I have a notice of correction on my credit file, but it is about that I cannot register to vote as I am not UK citizen therefore I am not registered in the electoral roll. Broker said it will take now 2 days to come back with a decision.
 

I have got same notice of correction on my credit report due to electoral roll ma asked me when i send full application said there is something come up if underwriter ask what should she said i told her that im not eligible to register so made it notice of correction hope that wont make any problem ...

Well that is what I said, that I am not eligible to vote and that is why i am not in the register. And I put that notice of correction on my credit report.
When did you apply? are u not UK citizen?
Cheers,

Im not uk citizen i dont know if i made it wrong to put that correction on my report because my credit it was good allready

Serdar048

I applied last thursday passed credit check now waiting to valuation be booked 

putopao

@sedar how much mortgage did you ask from Halifax? We submitted last friday but no feedback yet. 

Serdar048

putopao said:

@sedar how much mortgage did you ask from Halifax? We submitted last friday but no feedback yet. 

I applied on last thursday theh phone same day paid valuation fee 200 £ did you pay valuation fee yet ? They can lend me more than i need but i will only need 140k