Duplicate credit commitments in my history

[Ste1987]

Okay, so I'm looking to get my first house. Saw a mortgage adviser at my local Halifax branch to get an agreement in principle.

The adviser knew I'd be able to afford the house I want with the salary I earn, yet their system instantly rejected my application. The adviser reviewed my credit history and found all my credit commitments were duplicated. I have a car on finance and two credit cards, yet the system thinks I have double those! The adviser was confident this was affecting my application, yet my credit score was fine so is going to speak to their IT department tomorrow.

I did a check on myself using that Noddle and there was nothing unusual about my credit history; everything adds up there and no duplicate entries for my credit commitments.

Just wondering what I should do if Halifax can't do anything about it. It must be a fault on their end, surely? Would I get the same issues with other banks not in the Lloyds Banking Group, or the brokers?

[Magic919]

Sarnie on here should be able to help you.

[Sarnie]

First port of call, check your Equifax & Experian credit reports.

Noddle is free but they use Callcredit who's information is often out of date or inaccurate......

[Ste1987]

Had a check in Experian, as advised, and nothing unusual there either

[Sarnie]

Ste1987 said:

Had a check in Experian, as advised, and nothing unusual there either

Sounds like the advisor stuffed it up and is/was fobbing you off..............

[Ste1987]

Sarnie said:

Ste1987 said:

Had a check in Experian, as advised, and nothing unusual there either

Sounds like the advisor stuffed it up and is/was fobbing you off..............

To be fair, he showed me on his screen the duplicate entries. Looks to me like someone, somewhere, has stuffed something up.

Experian tells me that the search done hasn't affected my credit score, so that puts my mind at ease a little about getting an agreement in principle elsewhere

[Stevemr]

Had one of these recently with Halifax where credit card was doubled up on Experian. Did an appeal and undeerwriterrs agreed it. took about 10 days.

[Ste1987]

Stevemr said:

Had one of these recently with Halifax where credit card was doubled up on Experian. Did an appeal and undeerwriterrs agreed it. took about 10 days.

Interesting. Must be an in-house issue for myself, then

[Ste1987]

So I checked my Experian this morning and duplicates have appeared. Turns out it's an issue with Experian and it's down to the fact I moved out of my mum's in 2012 with my partner at the time and moved back 9 months later, which seems to have cocked things up a little. Experian advisor has rectified this and should show no duplicates tomorrow