As long as you make sure you key everything accurately (e.g. personal details, addresses, income, expenses) then I can't see any harm to wanting to find out if you're passing scoring for instance. I'll probably do the same as a rough guide until I actually find/finalise a house.You just have to be aware that scoring (and criteria) does change periodically, and a major event like this could cause them to tweak the parameters. So if you pass today, it doesn't mean you'll pass next week. Some lenders will 'honour' the 'old' credit score decision, but only for a few days/weeks.Whatever you do, make sure you key your income/expenses reasonably accurately. I've had cases where someone has keyed £500pm childcare at AIP and then change it to £100 at the next AIP. That looks highly suspicious (even if it was a legitimate error the first time around) and puts you on the back foot from the get go!
Yea for now match whatever appears on your credit file / statement for simplicity. If it's paid in full every month, mark it as "to be paid by completion" (or similar wording) for all cards. Same with planning to pay any down, but haven't done so yet - just put in the current balances in and do the same (mark as to be paid).When it does come to the actual application, again make sure you match it to either your credit search/statement balances and put as to be repaid, as that minimises the risk of problems / means you'll get a more accurate indicative lending figure.
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