We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Bluestone Mortgages not reporting on Credit File
Options

cockerhoop47
Posts: 9 Forumite

So having jumped through the many hoops to get a mortgage with Bluestone, we completed back in March so nearly 6 months in. So far they have not reported the mortgage on any of my credit files. I had thought with Covid there may be a delay but 6 months in I thought they would have started. Has anyone checked to see if Bluestone do actually report their mortgage payments or is this a cunning plan so your credit file doesn’t look as good as it could so you have to stay with them ?
0
Comments
-
They do usually report.
Take the tin foil hat off. There is no plot. Your mortgage showing on your credit report would help in the future, but it is unlikely to be a deal breaker.I am a Mortgage AdviserYou should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.1 -
cockerhoop47 said:So having jumped through the many hoops to get a mortgage with Bluestone, we completed back in March so nearly 6 months in. So far they have not reported the mortgage on any of my credit files. I had thought with Covid there may be a delay but 6 months in I thought they would have started. Has anyone checked to see if Bluestone do actually report their mortgage payments or is this a cunning plan so your credit file doesn’t look as good as it could so you have to stay with them ?0
-
They only report on Experian, it does take a few months before it appears and is always a couple of months behind with the data eg the balance is higher than the actual outstanding amount.
As you're that worried, drop them an email and ask.Mortgage started 2020, aiming to clear 31/12/2029.0
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.7K Banking & Borrowing
- 253K Reduce Debt & Boost Income
- 453.4K Spending & Discounts
- 243.7K Work, Benefits & Business
- 598.5K Mortgages, Homes & Bills
- 176.8K Life & Family
- 256.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards