Help please!!
Husband and I are currently applying for a mortgage through a broker with Nationwide. The details were emailed to Nationwide yesterday to see if we could get an agreement in principal. They have declined to loan us the amount we asked as they say we have an undeclared commitment. They won't tell the broker or anyone what this is due to data protection and we are oblivious to what the undeclared commitment is. My husband has a credit card but this hasn't been used in almost 2 years and has a £0 balance. Our broker has suggested we get a credit report to see if it will throw up any light as to what the commitment might be. He mentioned an Experian report, can anyone point me in the right direction please as all I can find is the free trials which I don't want to sign up to and will the report take long to come back??
Many thanks
Husband and I are currently applying for a mortgage through a broker with Nationwide. The details were emailed to Nationwide yesterday to see if we could get an agreement in principal. They have declined to loan us the amount we asked as they say we have an undeclared commitment. They won't tell the broker or anyone what this is due to data protection and we are oblivious to what the undeclared commitment is. My husband has a credit card but this hasn't been used in almost 2 years and has a £0 balance. Our broker has suggested we get a credit report to see if it will throw up any light as to what the commitment might be. He mentioned an Experian report, can anyone point me in the right direction please as all I can find is the free trials which I don't want to sign up to and will the report take long to come back??
Many thanks