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Mortgage Co hasn't added my mortgage to my credit file
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MC0NN
Posts: 10 Forumite

My 2 year fixed term mortgag with HSBC ends this month. HSBC has failed to add the mortgage to my credit file. Credit file is good on some and fair in others, so I have been trying to improve it by getting HSBC to amend my record. Been trying since June and despite many phone calls and emails, they have 2 months later, still not added it. Ironically/frustratingly, they have confirmed that not having their mortgage on my file may impact on their decision to approve a new mortgage from them. I am running out if time to get a good deal. At their suggestion, I have triggered the complaints process but found this adds another layer of beurocracy and delay. They reply in an ad-hoc way, if at all. They are really pleasant but ineffectual, and my deadline for renewing is less than 2 weeks away. Any advice? Similar experiences?
Thanks
Thanks
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Comments
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Have you checked all 3 of your credit files?
What do you mean by "Credit file is good on some and fair in others, so I have been trying to improve it" - i do hope you're not referring to the CRA's score/rating on you, since that is irrelvant to anything.0 -
Did not even know companies can add mortgages etc to credit files.
Always assumed it was the credit ref agencies.
So sorry cannot adviseThe world is not ruined by the wickedness of the wicked, but by the weakness of the good. Napoleon1 -
Hasbeen said:Did not even know companies can add mortgages etc to credit files.
Always assumed it was the credit ref agencies.
So sorry cannot advise
The lender (company) reports it to the CRA's.....0 -
Hasbeen said:Did not even know companies can add mortgages etc to credit files.
Always assumed it was the credit ref agencies.
So sorry cannot adviseThen how did you think credit accounts get added onto your credit report?Time is a path from the past to the future and back again. The present is the crossroads of both. :cool:0 -
dr_adidas01 said:Hasbeen said:Did not even know companies can add mortgages etc to credit files.
Always assumed it was the credit ref agencies.
So sorry cannot adviseThen how did you think credit accounts get added onto your credit report?
Any advice for OP?The world is not ruined by the wickedness of the wicked, but by the weakness of the good. Napoleon1 -
MC0NN said:Ironically/frustratingly, they have confirmed that not having their mortgage on my file may impact on their decision to approve a new mortgage from them.
You were speaking to an idiot, it happens but nothing to get worked up over.1 -
Surely demonstrating that I'm a home owner with no missed payments will help though?1
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D3xt3r5L4b said:Have you checked all 3 of your credit files?
What do you mean by "Credit file is good on some and fair in others, so I have been trying to improve it" - i do hope you're not referring to the CRA's score/rating on you, since that is irrelvant to anything.0 -
No. It's something only you see, purely for entertainment purposes.
Lenders will give you a score based on their own criteria.1 -
SpreadableToast said:MC0NN said:Ironically/frustratingly, they have confirmed that not having their mortgage on my file may impact on their decision to approve a new mortgage from them.
You were speaking to an idiot, it happens but nothing to get worked up over.
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