Showing results for tags 'credit files'.
Found 2 results
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Hello I was wondering if anyone could help me, I recently applied for a mortgage with HSBC and was approved. Subsequently I have now completed the purchased but noticed that the mortgage has appeared on credit file and is being update (status) monthly like a credit card (0's). I asked around on other forums (sorry) and most replied to say that mortgages are considered as secure lending and not like a credit card and therefore should not recorded monthly rather just registered under additional address / linked address. I have spoken with HSBC who don't really have a clue about why it has appeared like this on my credit file? Can this be removed? and the positives and negative of actioning something like this? I would be grateful if someone could clarify the issue for me? Thanks
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Hi, Firstly thank your for this wonderful foruem. It really has put my mind at rest. I am in the same situation as many other I have read on here, just started getting letters, 1st was from absolute locate, ignored now one from Global. I have checked my credit file and all is clean. I don't know if I can be bothered or even give them the satisfaction of responding, as whatever they have must be statue barred. However could they add something to my credit file if I don't respond? I'm guessing this is something to do with my lloyds account I held over 10 years ago. I'm happy to just keep ignoring them but only if they couldn't mess up my credit file! Cheers Andy
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