{"id":120069,"date":"2020-12-21T14:00:41","date_gmt":"2020-12-21T07:00:41","guid":{"rendered":"http:\/\/www.siamlandbank.com\/propertynews\/property-news\/how-can-i-fix-my-credit-report-so-i-can-get-my-mortgage\/"},"modified":"2021-02-02T17:53:25","modified_gmt":"2021-02-02T10:53:25","slug":"how-can-i-fix-my-credit-report-so-i-can-get-my-mortgage","status":"publish","type":"post","link":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/how-can-i-fix-my-credit-report-so-i-can-get-my-mortgage\/","title":{"rendered":"How can I fix my credit report so I can get my mortgage?"},"content":{"rendered":"


\nI have had an offer accepted on a new house and want to port and increase my current mortgageQ I have recently had an offer accepted on a new house. As a result, I am attempting to port and increase my current mortgage. The loan amount is being increased to an amount that I can comfortably afford. When speaking to a mortgage adviser, it would not allow them to process as there was a problem with the credit check. Having investigated, it seems that while my Experian credit report is perfect, my Equifax score is terrible, largely because it is missing almost all the information. It lists both myself and my husband as not on the electoral roll and having no credit cards or a mortgage. I am trying to rectify this but wondered if you know a way in which this can be worked around? This will very quickly become an issue and I am a little concerned as to how my credit report could be so nonsensical.WHA First, thank you for providing a timely reminder that it is always wise to check your report at each of the three main credit reference agencies (CRAs) \u2013 Equifax, Experian and TransUnion (formerly Callcredit) \u2013 before you apply for any kind of credit. But even if you are not planning to apply for a credit card, mortgage, personal loan or mobile phone contract any time soon, Which? suggests that you should check your reports at each of the three CRAs at least once a year. Continue reading…
\n
\nSource : theguardian.com
\nRead more…How can I fix my credit report so I can get my mortgage?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

I have had an offer accepted on a new house and want to port and...<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"false","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true},"categories":[1],"tags":[],"class_list":["post-120069","post","type-post","status-publish","format-standard","hentry","category-property-news"],"jetpack_featured_media_url":"","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p75ss1-veB","jetpack-related-posts":[{"id":27576,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/nationwide-wont-let-me-transfer-a-10-mortgage\/","url_meta":{"origin":120069,"position":0},"title":"Nationwide won\u2019t let me transfer a 10% mortgage","date":"September 28, 2016","format":false,"excerpt":"\r Despite never missing a payment, and even overpaying to bring the mortgage down, the lender insists I make a new applicationI have had a fixed-rate mortgage with Nationwide for about four years, originally for \u00a3100,000, but with overpayments I have reduced it to \u00a361,000. I want to move and\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":26145,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/is-overpaying-a-mortgage-preferable-to-saving\/","url_meta":{"origin":120069,"position":1},"title":"Is overpaying a mortgage preferable to saving?","date":"May 29, 2013","format":false,"excerpt":"\r We could overpay our mortgages by \u00a3500 a month, but we wonder whether saving the money might be preferableQ My wife and I have two mortgages with our lender and we reckon we can afford to overpay them by up to \u00a3500 a month. The larger mortgage is on\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":134949,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/the-mortgage-rate-you-get-depends-partly-on-your-credit-score-heres-what-to-expect\/","url_meta":{"origin":120069,"position":2},"title":"The mortgage rate you get depends partly on your credit score. Here's what to expect","date":"February 25, 2023","format":false,"excerpt":"\r The difference that a good credit score makes in terms of monthly mortgage payments \u2014 and total interest paid while you hold the mortgage \u2014 can be significant.\r \r Source : cnbc.com\r Read more...The mortgage rate you get depends partly on your credit score. Here's what to expect","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":170606,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/homebuyers-are-paying-more-for-mortgage-credit-checks-heres-why\/","url_meta":{"origin":120069,"position":3},"title":"Homebuyers are paying more for mortgage credit checks. Here\u2019s why","date":"February 22, 2026","format":false,"excerpt":"\r Despite being a small part of closing costs, credit report fees have become a flashpoint in the mortgage industry.\r \r Source : cnbc.com\r Read more...Homebuyers are paying more for mortgage credit checks. Here\u2019s why","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":12030,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/mortgage-fraud-by-identity-thieves-at-highest-level-since-2012\/","url_meta":{"origin":120069,"position":4},"title":"Mortgage fraud by identity thieves at highest level since 2012","date":"May 5, 2016","format":false,"excerpt":"\r During first quarter of 2016, proportion of crimes attempted by fraudsters increased to 6% \u2013 often by using identities of recently deceasedA \u201cworrying\u201d increase in identity thieves attempting to commit fraud within mortgage applications, including criminals applying in the name of people who have recently died, has been uncovered\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":115664,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/have-you-deferred-paying-your-mortgage-or-credit-card-debts\/","url_meta":{"origin":120069,"position":5},"title":"Have you deferred paying your mortgage or credit card debts?","date":"April 16, 2020","format":false,"excerpt":"\r One in nine households is taking a mortgage holiday. If you are among that number and have concerns, let us knowWhen the coronavirus crisis hit, lenders in the UK were told to help their customers by allowing them to suspend payments of mortgages, credit cards and personal loans for\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts\/120069"}],"collection":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/comments?post=120069"}],"version-history":[{"count":0,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts\/120069\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/media?parent=120069"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/categories?post=120069"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/tags?post=120069"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}