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Co-op Credit Reference Agency


Steviec100
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I apologise if this is in the wrong section but, does anyone know what CRA the Co-op use for their mortgages?

I ask as im currently hoping to buy a house but I had a default some years ago that shows up on credit expert but doesnt seem to on equifax. Nat West have already offered me a mortgage but im hoping to make use of the OwnHome scheme (through the co-op) but just want to know if im wasting my time.

 

Thanks in advance.

HSBC - Claim amount £2008.50

19/12/2006 - Prelim Letter posted

02/01/2007 - LBA Sent

11/01/2007 - Offered £1700 and accepted as going travelling!

 

Nationwide credit card - Will start this mid March when I return from my hols.

(I think it will be around £1000)

 

Capital One - To follow, give me a chance!

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I apologise if this is in the wrong section but, does anyone know what CRA the Co-op use for their mortgages?

I ask as im currently hoping to buy a house but I had a default some years ago that shows up on credit expert but doesnt seem to on equifax. Nat West have already offered me a mortgage but im hoping to make use of the OwnHome scheme (through the co-op) but just want to know if im wasting my time.

 

Thanks in advance.

 

The Co-op use experian

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Thanks for that, just what I wanted to know.

 

Fingers crossed :)

HSBC - Claim amount £2008.50

19/12/2006 - Prelim Letter posted

02/01/2007 - LBA Sent

11/01/2007 - Offered £1700 and accepted as going travelling!

 

Nationwide credit card - Will start this mid March when I return from my hols.

(I think it will be around £1000)

 

Capital One - To follow, give me a chance!

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Given the current squeeze on mortgage lending, if Nat West have already offered you a mortgage I'd be inclined to think everything was OK with your credit file.

 

Have you received an Offer of Loan from Nat West or is it an Agreement on Principle?

 

I ask because once the mortgage has progressed to Offer of Loan any Application Fees become payable whether you take the funds or not.

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