In November we applied for a DIP for a mortgage with a "soft" credit history search and surprisingly it was declined. naturally we checked our credit history and found 2 things, firstly Experian could not find my records as Flat 8 is recorded as Flat 5-16 at the Royal Mail and secondly I have a string of missed payment marks with a closed Santander account which was unexpected. I applied for a different more expensive mortgage DIP with a "soft" credit check and got it and started looking for a property. In the meantime I sorted out the address issue with Experian and