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!

Halifax carried out hard search on my credit report 11 months after initial application

Options
Hopeful0324
Hopeful0324 Posts: 41 Forumite
10 Posts First Anniversary Name Dropper
edited 19 February at 4:27PM in Mortgages & endowments
I was wondering if anyone has any advice - I have checked my credit report today as I had an email alert from Credit Karma. We applied for a mortgage with Halifax in March 2024 but they declined as they wouldn't accept us moving from a joint mortgage to a sole mortgage in my name as they said in order to get the mortgage offered my husband would have to move out!!

Anyway - we remortgaged with another bank but Halifax have now carried out a hard search for a mortgage application in my name on 18/02/25. I have not applied for a mortgage with them as we are now 1 year into a 5 year fix. Why would they carry out a hard search without my permission and if I haven't applied for anything?

I have contacted Halifax and am awaiting their reply.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244K Work, Benefits & Business
  • 598.9K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture