Is this unusual?

burge1983

So my mortgage has completed today with bank of ireland and we've got the keys, but throughout the whole process I can't see any hard credit search on any of the three credit agencies? Not complaining or anything but just wondered if this was strange or not

mortgagetakingages

It is strange. Might be an oversight on their side. Assuming they did a quotation search so they have seen your file?

lozzy81

This is interesting, we are also going with BOI, however we don't complete until 25th September there is also no record as yet of them doing a search on either of our files, we applied in July and received the offer approx 11th August so been a while now! 

[Deleted User]

I applied with Santander for a buy to let and all I had was a soft affordability search on application. 

burge1983

mortgagetakingages said:

It is strange. Might be an oversight on their side. Assuming they did a quotation search so they have seen your file?

Yes, they definitely seen the credit file in some capacity as they had a question about the electoral role and address for my partner. Had an initial search via experian at decision in principle stage, followed by an anti money laundering check a few weeks later following full application but no hard searches recorded. Weird.

burge1983

lozzy81 said:

This is interesting, we are also going with BOI, however we don't complete until 25th September there is also no record as yet of them doing a search on either of our files, we applied in July and received the offer approx 11th August so been a while now! 

Strange isnt it, ive looked on experian, credit karma and clearscore but nothing is down on there

Thrugelmir

burge1983 said:

mortgagetakingages said:

It is strange. Might be an oversight on their side. Assuming they did a quotation search so they have seen your file?

Had an initial search via experian at decision in principle stage, 

Was this a soft check? 

theoretica

How rapidly did your mortgage go through?  I believe what the credit agencies show consumers is behind the times and only updated once a month so could it have just not shown up yet.

burge1983

Thrugelmir said:

burge1983 said:

mortgagetakingages said:

It is strange. Might be an oversight on their side. Assuming they did a quotation search so they have seen your file?

Had an initial search via experian at decision in principle stage, 

Was this a soft check? 

Yes according to experian, says 'wont impact your credit score'

burge1983

theoretica said:

How rapidly did your mortgage go through?  I believe what the credit agencies show consumers is behind the times and only updated once a month so could it have just not shown up yet.

AIP on 23rd June (with 'unregistered enquiry' entry on experian from BOI
Full Application on 10th July ( with 'identification - generic check'  on experian from BOI)
 'Anti Money Laundering'  entry on Credit Karma from BOI  on 22nd July and one five days later from our solicitors
Application assessed on 7th August, had to answer a couple of questions from underwriters re address history/electoral roll and partners title (as the council tax bill we'd sent in had her down as 'Mrs' for some reason)
Offer on 8th August
Completed on Tuesday

all entries on the credit file down as soft searches