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Nationwide Credit Checks
lemliss
Posts: 81 Forumite
Morning all
Rang directly through to Nationwide tomorrow to query credit checks (adverse credit wasn't sure I'd be accepted)
The advisor has told me currently they carry out credit checks at DIP stage and aren't doing them again.
I thought they did soft at DIP and hard at application.. but advisor says if it has been done at DIP recently they will not rerun, as there was 2 days between my DIP and application they don't feel the need to do it again?!
Just incase anyone else is in the same boat as me and worrying
X
Rang directly through to Nationwide tomorrow to query credit checks (adverse credit wasn't sure I'd be accepted)
The advisor has told me currently they carry out credit checks at DIP stage and aren't doing them again.
I thought they did soft at DIP and hard at application.. but advisor says if it has been done at DIP recently they will not rerun, as there was 2 days between my DIP and application they don't feel the need to do it again?!
Just incase anyone else is in the same boat as me and worrying
X
NATIONWIDE FTB -
Full application- 8th July 2020
Hard credit check - 19th July 2020
Physical Valuation carried out - 5th August 2020
Valuation received by Nationwide - 7th August 2020
Offer via text message - 18th August 2020
Message via text saying revised mortgage offer - 13th November 2020
Exchanged contracts - 16th December 2020
Completed - 18th December 2020
VIDA HOME MOVER SOLE MORTGAGE
Full application - 29 November 2023
Requested more documents -
4th December 2023
Offer subject to Valuation- 6th Dec 2023
Valuation booked - 6th December 2023
Physical Valuation carried out - 7th December 2023
Underwriting 11th December 2023
Mortgage offer - 20th December
Full application- 8th July 2020
Hard credit check - 19th July 2020
Physical Valuation carried out - 5th August 2020
Valuation received by Nationwide - 7th August 2020
Offer via text message - 18th August 2020
Message via text saying revised mortgage offer - 13th November 2020
Exchanged contracts - 16th December 2020
Completed - 18th December 2020
VIDA HOME MOVER SOLE MORTGAGE
Full application - 29 November 2023
Requested more documents -
4th December 2023
Offer subject to Valuation- 6th Dec 2023
Valuation booked - 6th December 2023
Physical Valuation carried out - 7th December 2023
Underwriting 11th December 2023
Mortgage offer - 20th December
1
Comments
-
Did you have a hard or soft check at DIP stage? We had a soft check with our DIP (26/06/2020) and then hard check at application (submitted 30/06/2020 and checked on 08/07/2020).0
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Soft I believe. I'm stressing about it so much I feel sick 🙈 xcarriesmonkies said:Did you have a hard or soft check at DIP stage? We had a soft check with our DIP (26/06/2020) and then hard check at application (submitted 30/06/2020 and checked on 08/07/2020).NATIONWIDE FTB -
Full application- 8th July 2020
Hard credit check - 19th July 2020
Physical Valuation carried out - 5th August 2020
Valuation received by Nationwide - 7th August 2020
Offer via text message - 18th August 2020
Message via text saying revised mortgage offer - 13th November 2020
Exchanged contracts - 16th December 2020
Completed - 18th December 2020
VIDA HOME MOVER SOLE MORTGAGE
Full application - 29 November 2023
Requested more documents -
4th December 2023
Offer subject to Valuation- 6th Dec 2023
Valuation booked - 6th December 2023
Physical Valuation carried out - 7th December 2023
Underwriting 11th December 2023
Mortgage offer - 20th December0 -
It's soft check for DIP, so I believe they won't see most of your credit history.0
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