Hi,
My girlfriend (2nd applicant) has one of the credit builder cards where you pay 5 pounds a month to build your rating(stupid I know).
Anyway natwest did a survey on the house yesterday and I checked her credit rating on experian today and see that cashbuilder plus have put a 1 late marker on her acount for 4.99 missed payment this was because they did not take the direct debit! due to an error.
So she has rang them and they said its there error they will fix it but will take 2 weeks to process!. we are now in a situation where the card she took out to help her credit rating has destroyed it just as a mortgage is going through :-(
Does anyone know if natwest will credit check again before sending out the final offer and if so her being the 2nd applicant will this mess it up?
My girlfriend (2nd applicant) has one of the credit builder cards where you pay 5 pounds a month to build your rating(stupid I know).
Anyway natwest did a survey on the house yesterday and I checked her credit rating on experian today and see that cashbuilder plus have put a 1 late marker on her acount for 4.99 missed payment this was because they did not take the direct debit! due to an error.
So she has rang them and they said its there error they will fix it but will take 2 weeks to process!. we are now in a situation where the card she took out to help her credit rating has destroyed it just as a mortgage is going through :-(
Does anyone know if natwest will credit check again before sending out the final offer and if so her being the 2nd applicant will this mess it up?