We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 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!
Completion on mortgage

Sukh86
Posts: 3 Newbie

Hello,
Looking for some advice. We are near completion in few weeks. Everything is ready on our side but we just checked my husbands credit score and it has gone down! There has been a late or missed payment on account. What has happened is he has paid the wrong amount to our credit card bill. Honest mistake as he has mixed up payments! He has spoken to Amex and explained the situation and they have said if we can prove he was paying for something else the be able to take it off. Obviously this can take weeks to sort. As a genuine mistake we are now so worried. Will lenders do another credit check on completion? As they did hard check initially on application? We are so close to competing I just don’t want lenders to back out on an honest mistake! Will they do another check? Thanks
Looking for some advice. We are near completion in few weeks. Everything is ready on our side but we just checked my husbands credit score and it has gone down! There has been a late or missed payment on account. What has happened is he has paid the wrong amount to our credit card bill. Honest mistake as he has mixed up payments! He has spoken to Amex and explained the situation and they have said if we can prove he was paying for something else the be able to take it off. Obviously this can take weeks to sort. As a genuine mistake we are now so worried. Will lenders do another credit check on completion? As they did hard check initially on application? We are so close to competing I just don’t want lenders to back out on an honest mistake! Will they do another check? Thanks
0
Comments
-
Sukh86 said:Hello,
Looking for some advice. We are near completion in few weeks. Everything is ready on our side but we just checked my husbands credit score and it has gone down! There has been a late or missed payment on account. What has happened is he has paid the wrong amount to our credit card bill. Honest mistake as he has mixed up payments! He has spoken to Amex and explained the situation and they have said if we can prove he was paying for something else the be able to take it off. Obviously this can take weeks to sort. As a genuine mistake we are now so worried. Will lenders do another credit check on completion? As they did hard check initially on application? We are so close to competing I just don’t want lenders to back out on an honest mistake! Will they do another check? Thanks
If you exchange and they pull the offer you could be in a lot of trouble.
Honestly is the best policy here1 -
Get those credit cards on DD payments1
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.7K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 454K Spending & Discounts
- 244.7K Work, Benefits & Business
- 600.1K Mortgages, Homes & Bills
- 177.3K Life & Family
- 258.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards