Mortgage

Patsingtons

My son had received a mortgage in principal, this has now been refused as an address he rented a room in has come back with a bad credit check. What can be done about this? has the peoperty been searched, ie the landlord and not my son who has a good credit?

marcia_

Patsingtons said:

My son had received a mortgage in principal, this has now been refused as an address he rented a room in has come back with a bad credit check. What can be done about this? has the peoperty been searched, ie the landlord and not my son who has a good credit?

 Properties don't have credit records only people do.  Has your son checked his own credit file? 

ACG

Patsingtons said:

My son had received a mortgage in principal, this has now been refused as an address he rented a room in has come back with a bad credit check. What can be done about this? has the peoperty been searched, ie the landlord and not my son who has a good credit?

It is unlikely it will be the landlord. 
Get your son to get a credit report and ensure he puts in that address as a previous address. 

It could be your son, or someone your son is financially associated with - ie if your son took out a utilitiy bill with a flat mate. 

Patsingtons

marcia_ said:

Patsingtons said:

My son had received a mortgage in principal, this has now been refused as an address he rented a room in has come back with a bad credit check. What can be done about this? has the peoperty been searched, ie the landlord and not my son who has a good credit?

 Properties don't have credit records only people do.  Has your son checked his own credit file? 

Hi Marcia,

yes, his credit report is good, this is why we are confused

Patsingtons

ACG said:

Patsingtons said:

My son had received a mortgage in principal, this has now been refused as an address he rented a room in has come back with a bad credit check. What can be done about this? has the peoperty been searched, ie the landlord and not my son who has a good credit?

It is unlikely it will be the landlord. 
Get your son to get a credit report and ensure he puts in that address as a previous address. 

It could be your son, or someone your son is financially associated with - ie if your son took out a utilitiy bill with a flat mate. 

ACG said:

Patsingtons said:

My son had received a mortgage in principal, this has now been refused as an address he rented a room in has come back with a bad credit check. What can be done about this? has the peoperty been searched, ie the landlord and not my son who has a good credit?

It is unlikely it will be the landlord. 
Get your son to get a credit report and ensure he puts in that address as a previous address. 

It could be your son, or someone your son is financially associated with - ie if your son took out a utilitiy bill with a flat mate. 

Thank you fro reply, no he didnt have any joint bills mortgagae was okay until this address hceked, confusing

kingstreet

As ACG suggested.

Include this address in his credit report and see how it changes the data.

Patsingtons

kingstreet said:

As ACG suggested.

Include this address in his credit report and see how it changes the data.

Thank you, will do this and see what happens