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Not reporting to credit agencies
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Lorrenj
Posts: 1 Newbie
Hi, I have recently been declined by a mortgage lender as Very ‘shop direct company’ have not been reporting any of my payments to the credit check agencies / bureaus! I was wondering if anyone else has experienced anything like this? I am up to date with my very account and do not owe anything, my payments are always on time and never late. However because they haven’t reported any status of my account, the mortgage lenders assume I am late paying.
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Comments
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It's fine for them not to report. But anything they do report needs to be accurate.
Mortgage lenders won't assume you're late paying.0 -
What does your broker say?
I'd have expected you to get an opportunity to prove you are up to date by providing your statements if there was a question over paying.0 -
If your broker has told you that is the reason for the decline, he or she is an idiot. Find another broker.
If you don't have a broker, someone has got the wrong end of the stick.1 -
Lorrenj said:Hi, I have recently been declined by a mortgage lender as Very ‘shop direct company’ have not been reporting any of my payments to the credit check agencies / bureaus! I was wondering if anyone else has experienced anything like this? I am up to date with my very account and do not owe anything, my payments are always on time and never late. However because they haven’t reported any status of my account, the mortgage lenders assume I am late paying.
Not the score but your history as thats really important since lenders see it.0 -
How would they know you had an account if it didn`t show ?You cannot be declined for a mortgage based on an account no one knows exists, not reporting to your credit file, that is ridiculas.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter1
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Lorrenj said:Hi, I have recently been declined by a mortgage lender as Very ‘shop direct company’ have not been reporting any of my payments to the credit check agencies / bureaus! I was wondering if anyone else has experienced anything like this? I am up to date with my very account and do not owe anything, my payments are always on time and never late. However because they haven’t reported any status of my account, the mortgage lenders assume I am late paying.
Im surprised they aren't reporting.
I don't buy it was the reason for the decline.
Id consider another broker.0 -
sourcrates said:How would they know you had an account if it didn`t show ?You cannot be declined for a mortgage based on an account no one knows exists, not reporting to your credit file, that is ridiculas.0
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That still would be a ridiculous reason to summise.0
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bradders1983 said:That still would be a ridiculous reason to summise.0
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