accuracy of file

Jo1923

have a question about credit file ..we applied for a mortgage and i paid a loan off prior to application, didn’t declare as didn’t think - have since contacted the lender and told them and gave evidence paid off - it’s still on my file even though says updated today 1st March! the building society has done valuation but not had offer yet and i can’t see a hard search on my file ! so i presume its not been underwritten yet…my query is what i see on mse credit file what a lender would see ?? i do have evidence paid off the loan but its nerving me a bit

TheSpectator

How many times are you going to ask the same question?

You are now in double digit threads asking basically the same thing.

Jo1923

yes ive asked numerous questions all very similar - today according to my monzo credit section, it said file updates 1st march - yet its still showing - that was my point 
i have severe ocd and a little anxiety - but thanks for pointing this out to others
I hope you have a pleasant weekend 

MattMattMattUK

Jo1923 said:

yes ive asked numerous questions all very similar 

It is really not helpful to anyone to keep posting the same, almost the same question again and again, if you feel the need to ask it again and again it would make more sense to add to your existing posts.

Jo1923 said:

today according to my monzo credit section, it said file updates 1st march - yet its still showing - that was my point 

It is a weekend, what non-paying consumers see usually has elements of delays. The real time information is seen by lenders when they do soft or hard searches, but the real time information is still subject to reporting dates and processing times, as has been explained on your other threads.

Jo1923 said:

i have severe ocd and a little anxiety - but thanks for pointing this out to others
I hope you have a pleasant weekend 

No one pointed out your OCD or anxiety, until you mentioned it none of us would have any way of knowing. 

Jo1923 said:

the building society has done valuation but not had offer yet and i can’t see a hard search on my file ! so i presume its not been underwritten yet

It just means that the hard search is not showing yet, a hard search has nothing to do with being underwritten, it is underwritten when it is granted, not applied for. 

Jo1923 said:

my query is what i see on mse credit file what a lender would see ??

Again, as has been said on your multiple other threads, no. They see real time data, the MSE credit report only updates once a month.