We'd like to remind Forumites to please avoid political debate on the Forum... Read More » 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.

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

Hopeful0324 Posts: 41 Forumite

19 February at 4:25PM 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

Confirm your email address to Create Threads and Reply

MSE News

Forced onto a prepay energy meter? You may be due money back as 10,000s to be compensated
If you had an energy prepayment meter forcibly installed or your smart meter was remotely switched to prepay mode without your permission, you could be entitled to compensation of up to £1,000 and may even be eligible to have your energy debts written off.
Tesco shopper? It's your last chance to use £15 million worth of Clubcard vouchers – or extend them with our trick
If you've got a Tesco Clubcard, check if you have any vouchers close to expiring, as nearly £15 million-worth are due to run out on Saturday 31 May. Don't want to spend your vouchers yet? We've got a trick to extend their validity.
Nationwide Fairer Share: Free £100 bonus confirmed for 2025 – here's who will get it
If you bank with Nationwide, you could get a free £100 paid into your account next month as part of the building society's 'Fairer Share' scheme. The bonus will be paid to millions of its current account customers who also have savings or a mortgage with it.
Misleading Child Trust Fund claims ads BANNED after MSE complaint – here's how to trace yours for free
Misleading Child Trust Fund (CTF) adverts that targeted young people on social media have been banned following a complaint by MoneySavingExpert.com. The Turner Lewis Ltd ads claimed savers had "nothing to lose" despite the firm charging possibly £100s for its services.
Last chance: Aged 20 to 25? Trick to get a FREE four-year railcard worth £100 from Santander
If you're aged 20 to 25, there's a trick right now that can get you a free four-year railcard worth £100 via the bank Santander – but you'll need to be quick as the offer ends on Friday 30 May. MoneySavingExpert.com founder Martin Lewis takes you through it.
Tesco shopper? You've just DAYS left to use £15 million worth of Clubcard vouchers – or extend them with our trick
If you've got a Tesco Clubcard, check if you have any vouchers close to expiring, as nearly £15 million-worth are due to run out on Saturday 31 May. Don't want to spend your vouchers yet? We've got a trick to extend their validity.
Martin Lewis: Are you one of 800,000 parents missing out on up to £2,000 a year towards childcare costs?
If you pay for childcare, whether just for the summer or all year round, watch this urgent video briefing on the help that's available.
Martin Lewis: Energy Price Cap to fall 7% on 1 July (though it's still a Pants Cap). What it means for you and the new rates
The price most households pay for gas and electricity will fall by 7% on average from 1 July 2025 as energy regulator Ofgem has announced the latest Energy Price Cap rates. How much you'll pay under the new cap depends on how much energy you use and where you live.
Martin Lewis: The Price Cap to fall 7% on 1 July (though it's still a Pants Cap). What it means for you and the new rates...
The price most households pay for gas and electricity will fall by 7% on average from 1 July 2025 as energy regulator Ofgem has announced the latest Energy Price Cap rates. How much you'll pay under the new cap depends on how much energy you use and where you live.

View All

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

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Categories

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free