Aliases on credit file!!

frankiefoo

We have submitted a mortgage application and hard checks have been done. I noticed that I have several aliases on my credit file - my maiden name, my married name and my mothers surname. About 9 years ago my sister moved in with me and applied for credit under my name and address but using my mothers surname (obviously hoping I wouldn't find out🙄) she did this on several occasions over a year for 3 catalogues. As I was out all day I didn't see the deliveries or find out until much later on. Anyway I obviously went mad and made sure they were paid off- which they were barring a few late payments but ultimately the accounts were brought up to date and closed.  

Fast forward to today and I'm worried that the alias she used will pose a problem with my mortgage application??

 I never reported her - she was young and stupid and had a lot of issues & has since grown into a very sensible & responsible woman.

According to my Mortgage Advisor the checks are almost complete, hard & soft check complete and is down as 'accepted' just the usual fraud and evidence checks to process. 

I'm worried sick now I've seen this alias that it will scupper our mortgage application?!!! Please help and advise??

ACG

If the credit checks are done you have passed those.
If the case is to be declined now, it would be down to underwriters discretion but that is unlikely. If it does happen, the broker can explain what has happened but it sounds like it is relatively historic anyway so I am sure you will be fine. 

frankiefoo

ACG said:

If the credit checks are done you have passed those.
If the case is to be declined now, it would be down to underwriters discretion but that is unlikely. If it does happen, the broker can explain what has happened but it sounds like it is relatively historic anyway so I am sure you will be fine. 

Thank you, that's really reassuring to know - absolutely sick with worry since I realised!

Yes it was end of 2012 and into 2013 that she applied for several catalogues using my details but our Mother's surname. 

Hard & Soft check was done on 6th Aug, another soft check on 9th...and then an update yesterday (10th) from MA with news from the lender that the status is 'accepted' ? (Is that approved?🤔)  and all was nearly done just need to process evidence & fraud checks. It's the fraud checks bit that worries me with the name alias?!?