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Application for credit and hard search without my consent

cmbrookes
Posts: 180 Forumite

Hello
This query involves to queries, credit search and my mortgage so I was unsure where to ask the question but hey ho.
anyway back in June I made an enquiry about a mortgage with a broker company who found me a mortgage through platform, part of the Co-op bank. The only thing I ever received was a DIP from them no formal application was made. The broker did not inform me that the search carried out in my credit file would impact my credit report or it would be a hard search. Search’s for DIP are usually soft searches.
This query involves to queries, credit search and my mortgage so I was unsure where to ask the question but hey ho.
anyway back in June I made an enquiry about a mortgage with a broker company who found me a mortgage through platform, part of the Co-op bank. The only thing I ever received was a DIP from them no formal application was made. The broker did not inform me that the search carried out in my credit file would impact my credit report or it would be a hard search. Search’s for DIP are usually soft searches.
I have just checked my credit report and there is a search in there classed an application for credit on 08/06/2022 with the Co-op bank. I can only assume this links to Platform. Can this be easily removed from my search history?
I am now at the stage of completion with my current mortgage with Leeds building society. Their search has also been listed as a credit application on 01/08/2022 but I’m not bothered about that because I chose them and consented their credit search to go ahead. My deposit has now been sent to my solicitor so hopefully we are very near the end of completion. I’m just slightly concerned that raising the dispute about the other credit search will have an effect on this mortgage application, if LBS run another search at completion, they might see I’m disputing the Co-op search and ask why hence delaying the process.
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Comments
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You asked someone to find you a mortgage and part of that process was a search.
Did you ask what kind of search would be made ?
I cannot see you have any case at all.0 -
The_Fat_Controller said:You asked someone to find you a mortgage and part of that process was a search.
Did you ask what kind of search would be made ?
I cannot see you have any case at all.0 -
cmbrookes said:The_Fat_Controller said:You asked someone to find you a mortgage and part of that process was a search.
Did you ask what kind of search would be made ?
I cannot see you have any case at all.
Let sleeping dogs lie IMO.0 -
Dimanche_Prochain said:cmbrookes said:The_Fat_Controller said:You asked someone to find you a mortgage and part of that process was a search.
Did you ask what kind of search would be made ?
I cannot see you have any case at all.
Let sleeping dogs lie IMO.
0 -
cmbrookes said:The_Fat_Controller said:You asked someone to find you a mortgage and part of that process was a search.
Did you ask what kind of search would be made ?
I cannot see you have any case at all.
There's no "surely" anything, that's just your opinion.0 -
cmbrookes said:Dimanche_Prochain said:cmbrookes said:The_Fat_Controller said:You asked someone to find you a mortgage and part of that process was a search.
Did you ask what kind of search would be made ?
I cannot see you have any case at all.
Let sleeping dogs lie IMO.
Lenders are not stupid, they take into account what you're applying for. 2 hard searches for a mortgage won't affect you applying for credit elsewhere.2 -
Dimanche_Prochain said:cmbrookes said:Dimanche_Prochain said:cmbrookes said:The_Fat_Controller said:You asked someone to find you a mortgage and part of that process was a search.
Did you ask what kind of search would be made ?
I cannot see you have any case at all.
Let sleeping dogs lie IMO.
Lenders are not stupid, they take into account what you're applying for. 2 hard searches for a mortgage won't affect you applying for credit elsewhere.1 -
The_Fat_Controller said:cmbrookes said:The_Fat_Controller said:You asked someone to find you a mortgage and part of that process was a search.
Did you ask what kind of search would be made ?
I cannot see you have any case at all.
There's no "surely" anything, that's just your opinion.0 -
cmbrookes said:Dimanche_Prochain said:cmbrookes said:The_Fat_Controller said:You asked someone to find you a mortgage and part of that process was a search.
Did you ask what kind of search would be made ?
I cannot see you have any case at all.
Let sleeping dogs lie IMO.
My OH has five searches in the last 12 months and is still being pre-approved for credit cards with five figure limits.1
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