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::Mortgage::
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Having problems obtaining a mortgage due to...
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We have three main aims:
In some cases we are able to place your mortgage through a high street lender straight away through negotiation with our contacts within these institutions. We will do this wherever possible so you do not have to re-mortgage at a later stage.
Your
Credit File Every body has a credit file. This is held by Credit Reference Agencies, the main ones being Experian and Equifax. They hold details of all your current and previous credit transactions at both your present and/or previous addresses. Lenders will use either Equifax or Experian to register your credit information. Some use both so you may have problems registered at one and not on the other. These files will contain all your credit information such as County Court Judgments (CCJ's,), Defaults, Late Payments, Credit Applications, they may also include other members of your family’s credit information as well. We recommend that you apply for both of your credit files (the addresses are below). Once you receive your files then contact us and we can advise you accordingly. It is possible to remove wrong information from your file. In order to obtain a copy of your credit report, write to the addresses below, giving them your full name and addresses for the last 6 years and enclose a cheque/PO for £2.50
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Experian Consumer Help Services PO Box 8000 Nottingham NG1 5GX 08702416212
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Equifax Consumer Response Centre Department 2E PO Box 3001 Glasgow G81 2DT
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