Anyone explain application process

TWIGLET1234

Hi
Got AIP after soft check. 

Found property and full application made 
Did a multi agency credit search for myself to see if credit checks had been carried out and found a soft search in 2 agencies carried out on day of AIP
Also discovered a default that was unknown to me as was on a CRA I had never looked at. It was one of the ones the lender looked at though so I’m assuming they saw it at AIP stage 
Broker forwarded me a text on the day full application went in to say valuation has been instructed 
Further info requested and provided.
Broker explains its agreed subject to underwriting 
All understood.....BUT, there still are no hard checks showing on my credit file. (I’m bricking it because of this default!! )

 Anyone know why this would be?? 

dunstonh

 Anyone know why this would be??

Your broker.  That is what you are paying them for.

TWIGLET1234

dunstonh said:

 Anyone know why this would be??

Your broker.  That is what you are paying them for.

Yeah ok thanks, just don’t want to bother her every 5 minutes when she’s dealing with lots of other cases. Thought a kind person here might be able to positively contribute 

amnblog

Don't guage anything on checks showing on your credit files. This may or may not be registered at any time after submission.
Your Broker has probably made a poor job of telling you, everything in is, you have passed initial checks and we are just waiting for the staff that make the final decisions at the Lender (underwriters) to check it over.
If the default was going to be an issue is would 99% of the time have been a problem before this stage.

TWIGLET1234

amnblog said:

Don't guage anything on checks showing on your credit files. This may or may not be registered at any time after submission.
Your Broker has probably made a poor job of telling you, everything in is, you have passed initial checks and we are just waiting for the staff that make the final decisions at the Lender (underwriters) to check it over.
If the default was going to be an issue is would 99% of the time have been a problem before this stage.

Thank you for your reply. A great reassurance.