Which CRA do Virgin Money use for full mortgage application?

berkshirelass
berkshirelass Posts: 18 Forumite
10 Posts
in Mortgages & endowments
I got an agreement in principle from them but before I fully apply I wanted to check which CRA's they use.  Experian hold correct information for me but there is an error on my Equifax and transunion reports that I am trying to sort out with them.  I don't want to apply in full for the mortgage if they don't use Experian only.  

Comments

  • ACG
    ACG Posts: 24,409 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    According to my spreadsheet it is experian but these things can change over time so dont hold me to it. 
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • ayvamummy
    ayvamummy Posts: 14 Forumite
    10 Posts First Anniversary
    edited 22 June 2020 at 10:16PM
    I have my VM mortgage offer in the post this week. They did hard search on day of my DIP and soft ID check same day- both with Experian, nothing showing on Equifax 
  • Safe'n'Sound
    Safe'n'Sound Posts: 69 Forumite
    Third Anniversary 10 Posts
    edited 23 June 2020 at 5:50AM
    They did a hard search for my AIP with Experian. If that helps
  • LavenderLamb101
    LavenderLamb101 Posts: 85 Forumite
    Third Anniversary 10 Posts
    Only Experian. 
    Good luck.
  • csgohan4
    csgohan4 Posts: 10,600 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper Photogenic
    Do lenders check other CRA's as well?
    "It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"

    G_M/ Bowlhead99 RIP
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 349.9K Banking & Borrowing
  • 252.6K Reduce Debt & Boost Income
  • 453K Spending & Discounts
  • 242.8K Work, Benefits & Business
  • 619.6K Mortgages, Homes & Bills
  • 176.4K Life & Family
  • 255.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 15.1K Coronavirus Support Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture