Natwest - Which Credit Reference Agency?

loufay26

Does anyone know which credit reference agency Natwest use from a mortgage perspective? Concerned that wit Experian I have a score of 970 Excellent but with Equifax I have a score of 395 Fair!

[Deleted User]

Whichever they use, they'll never see your comedy scores.

Just check the data on each to see if it's all correct and go from there.

bradders1983

I will give the OP a score of 3,000,000. It means as much as 970 or 395. Thats Numberwang !

D3xt3r5L4b

I’m sure the same question (or one of very similar context) was already asked..

loufay26

It's all so confusing! I am applying for a mortgage as a first time buyer and reading some proper horror stories at the moment. I have a 25% deposit and 74% LTV, I have a late payment 8 months ago (that was literally a day late!) I have recently repaid all my debt which has not been updated on my credit file as Covid has delayed the reporting on information (so I have sent roof of Nil balances). 

D3xt3r5L4b

loufay26 said:

It's all so confusing! I am applying for a mortgage as a first time buyer and reading some proper horror stories at the moment. I have a 25% deposit and 74% LTV, I have a late payment 8 months ago (that was literally a day late!) I have recently repaid all my debt which has not been updated on my credit file as Covid has delayed the reporting on information (so I have sent roof of Nil balances). 

Are you using a broker?

loufay26

Yes I am using a broker and have an AIP from Natwest

D3xt3r5L4b

loufay26 said:

Yes I am using a broker and have an AIP from Natwest

Then your broker will (hopefully) place you with someone suitable based on your credit history. 

SJshah

I got an AIP from Natwest earlier on this year, they hard search Equifax only.