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  • FIRST POST
    • s03jlord1
    • By s03jlord1 14th Jun 19, 5:14 PM
    • 8Posts
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    s03jlord1
    Mortgage - Credit File.
    • #1
    • 14th Jun 19, 5:14 PM
    Mortgage - Credit File. 14th Jun 19 at 5:14 PM
    Hi All.

    Is it normal for a mortgage to not show on a credit file?
    I have a fairly new mortgage (over 2 months, made 2 payments) however it doesn't show on my equifax or experian accounts yet?

    However other credit contracts I've taken out since i got my mortgage (Virgin TV / other Bank account for bills to come out of) already show on my credit file.

    My mortgage is with NatWest - prior to me getting a mortgage approved with them, they combed through my credit files in such detail that i would have thought they would have reported it promptly and recorded two payments made.

    Or is this expected?
    Thanks
Page 1
    • MovingForwards
    • By MovingForwards 14th Jun 19, 6:12 PM
    • 2,311 Posts
    • 2,737 Thanks
    MovingForwards
    • #2
    • 14th Jun 19, 6:12 PM
    • #2
    • 14th Jun 19, 6:12 PM
    There are three CRAs, it might be the third one your mortgage company reports to.
    • Candyapple
    • By Candyapple 14th Jun 19, 6:39 PM
    • 3,332 Posts
    • 2,806 Thanks
    Candyapple
    • #3
    • 14th Jun 19, 6:39 PM
    • #3
    • 14th Jun 19, 6:39 PM
    My mortgage is with NatWest, took it out Sept 2018 and it shows up on all 3 credit files. Mine was showing within the first month. It also shows on all 3 of my OH’s too.

    Why did they comb through your files? All they should have done is a hard search. Or do you mean your broker?

    You should contact NatWest and get them to report your account to the 3 CRA’s.
    I'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com
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