Failed ID Check

Zerforax

We're about to apply for a mortgage and my broker has said that a failed ID check has come up. He thought it was to do with the date of birth and his soft search came back with a different date. He suggested checking the credit file with Equifax and Experian.

Do I need to subscribe or order a credit report? Or is it as simple as calling them up and asking for them to confirm what date of birth they have on record?

Will try calling in the morning but their call centres are closed at the moment!

[Deleted User]

Just check your files via the free routes - Clearscore, Credit Karma and MSE Credit Club.

K_S

@zerofax Is it the broker's internal ID check or the lender one?

The reasons for failing the automated ID check can be name discrepancies, dob errors and even the different ways in which a flat address is shown.

You can check your credit files for free on -
Experian - MSE Credit Club

Equifax - Clearscore
TransUnion - CreditKarma

All three in one - CheckMyFile has a 30 day free trial, but do remember to cancel once you download your report.

Zerforax

K_S said:

@zerofax Is it the broker's internal ID check or the lender one?

The reasons for failing the automated ID check can be name discrepancies, dob errors and even the different ways in which a flat address is shown.

You can check your credit files for free on -
Experian - MSE Credit Club

Equifax - Clearscore
TransUnion - CreditKarma

All three in one - CheckMyFile has a 30 day free trial, but do remember to cancel once you download your report.

I believe it was the broker's internal ID check that failed so he's asked we provide certified documents for the full application. Our broker advised we also try and fix the issue if its on the credit files.

Sounds like I should just use CheckMyFile. So if I cancel I shouldn't be charged? Had a bad experience recently with a "free subscription" recently where they charged me full whack even though I cancelled!

K_S

Zerforax said:

K_S said:

@zerofax Is it the broker's internal ID check or the lender one?

The reasons for failing the automated ID check can be name discrepancies, dob errors and even the different ways in which a flat address is shown.

You can check your credit files for free on -
Experian - MSE Credit Club

Equifax - Clearscore
TransUnion - CreditKarma

All three in one - CheckMyFile has a 30 day free trial, but do remember to cancel once you download your report.

I believe it was the broker's internal ID check that failed so he's asked we provide certified documents for the full application. Our broker advised we also try and fix the issue if its on the credit files.

Sounds like I should just use CheckMyFile. So if I cancel I shouldn't be charged? Had a bad experience recently with a "free subscription" recently where they charged me full whack even though I cancelled!

@zerforax I can't vouch for CMF's free trial so if you use it, it's at your own risk. But personally I've never heard a client mention that they were charged for the free-trial even after cancelling in time.

Are you sure the broker can't verify your ID themselves manually? My compliance allows me to get the clients face to face on a Zoom/video call and verify the ID, proof of address over video.

Zerforax

K_S said:

Zerforax said:

K_S said:

@zerofax Is it the broker's internal ID check or the lender one?

The reasons for failing the automated ID check can be name discrepancies, dob errors and even the different ways in which a flat address is shown.

You can check your credit files for free on -
Experian - MSE Credit Club

Equifax - Clearscore
TransUnion - CreditKarma

All three in one - CheckMyFile has a 30 day free trial, but do remember to cancel once you download your report.

I believe it was the broker's internal ID check that failed so he's asked we provide certified documents for the full application. Our broker advised we also try and fix the issue if its on the credit files.

Sounds like I should just use CheckMyFile. So if I cancel I shouldn't be charged? Had a bad experience recently with a "free subscription" recently where they charged me full whack even though I cancelled!

@zerforax I can't vouch for CMF's free trial so if you use it, it's at your own risk. But personally I've never heard a client mention that they were charged for the free-trial even after cancelling in time.

Are you sure the broker can't verify your ID themselves manually? My compliance allows me to get the clients face to face on a Zoom/video call and verify the ID, proof of address over video.

Thanks - probably just a one off bad experience for me!

Yes we managed to get a solicitor to certify the documents and we've submitted those so full mortgage application is in now. I guess I just think it makes sense to try and fix the credit reports (while I remember) to avoid future issues?

K_S

Zerforax said:

K_S said:

Zerforax said:

K_S said:

@zerofax Is it the broker's internal ID check or the lender one?

The reasons for failing the automated ID check can be name discrepancies, dob errors and even the different ways in which a flat address is shown.

You can check your credit files for free on -
Experian - MSE Credit Club

Equifax - Clearscore
TransUnion - CreditKarma

All three in one - CheckMyFile has a 30 day free trial, but do remember to cancel once you download your report.

I believe it was the broker's internal ID check that failed so he's asked we provide certified documents for the full application. Our broker advised we also try and fix the issue if its on the credit files.

Sounds like I should just use CheckMyFile. So if I cancel I shouldn't be charged? Had a bad experience recently with a "free subscription" recently where they charged me full whack even though I cancelled!

@zerforax I can't vouch for CMF's free trial so if you use it, it's at your own risk. But personally I've never heard a client mention that they were charged for the free-trial even after cancelling in time.

Are you sure the broker can't verify your ID themselves manually? My compliance allows me to get the clients face to face on a Zoom/video call and verify the ID, proof of address over video.

I guess I just think it makes sense to try and fix the credit reports (while I remember) to avoid future issues?

Absolutely! Because if you have issues with marrying up your personal details in the application to that in your credit report, that could potentially cause you to fail DIP/AIPs when it comes to applying for the mortgage.

As an example, one of my clients simply could not pass a DIP (failed due to 'credit-score') with any lender that uses Equifax.

Eventually that was pinned down to the format used by the Equifax system to report his address (it was a flat). Other than a notice of correction (not very useful with respect to automated credit-scoring done by mainstream lenders), there was no easy/quick fix so I placed him with a lender that only uses Experian and it all flew through.

I've rambled a bit but my point was that it's important to know what's in your files, at the very least the Experian and Equifax ones.