Very nervous about dip

harsxx

Hi I feel I have made a big mistake.  I did 2 dips with same lender within 10 mins . They were soft searches. The first one I put additional income which are tax credits under my name which I am not working and it came out with less that we could borrow.  However it is my partner who works and then on the next dip I put the tax credits under his name and it came out we could lend more . The tax credits are in both names . I dont see why it should of made a difference who's name I put them under or who's name I put first on application for the dip and getting different result however I have read on here about national hunter and now call me paranoid or what ever but since reading about national hunter it's made me feel ill.  . I never filled out one before.  I put same details in just swapped the person who got tax credits.  The tax credits amounts was the same as what we get . Our tax credits is a joint claim. Anyway like I say I am now paranoid that they have reported me to national hunter etc . I may of ruined our chances forever. 

K_S

@harsxx While this particular bank may query the mismatch if you go on to apply, they aren't going to report you to CIFAS or National Hunter just because of this. I see plenty of clients who (unknowingly) input incorrect/inconsistent information in DIPs, it's quite common.

harsxx

Thanks for your response.  Past 2 days since realising what I have done then reading about people being reported to national hunter and cifas for inputting different or mismatched incomes has literally made me feel ill.  So much that yesterday I sent off a form to national hunter to see if they have anything on me. I havent applied for anything in about 18 months just these 2 dips and I think I need to get a grip lol . Just paranoid about everything at mo dont think this lockdown is helping either. Anyway thanks so much for your reply it's made me feel a bit better . I will just have to wait now from national hunter hopefully they didnt report me.