Hi me and my girlfriend applied for our first mortgage through nationwide today. We used an independent financial advisor.
We passed the agreement in principle with no problems.
However I have identity protection/credit report facilities with my bank. I checked it this evening and they have made two credit searches on my account.
The first one is for a FIRST MORTGAGE and it states the amount of money we will be borrowing, my name, address etc. however they have checked it under my girlfriends date of birth.
The second check is just a generic identity search with my proper date of birth.
I'm worried now that it could cause problems with the full application. As it looks like they've done the Initial search, realised their mistake and carried out another one. Obviously multiple checks in a short space of time is detrimental to my credit rating.
Anyone had this before or can offer any advice?
We passed the agreement in principle with no problems.
However I have identity protection/credit report facilities with my bank. I checked it this evening and they have made two credit searches on my account.
The first one is for a FIRST MORTGAGE and it states the amount of money we will be borrowing, my name, address etc. however they have checked it under my girlfriends date of birth.
The second check is just a generic identity search with my proper date of birth.
I'm worried now that it could cause problems with the full application. As it looks like they've done the Initial search, realised their mistake and carried out another one. Obviously multiple checks in a short space of time is detrimental to my credit rating.
Anyone had this before or can offer any advice?