Evenin all. Put a mortgage application through this evening and it got referred. I sign up to one of those online services where you can check your credit score and mine is 760, my missus 740. The mortgage repayments are less than our current rent and just had a payrise so affordability is not a problem. My girlfriend has a default on her file from 4 years ago but no more than 2 late payments (by less than 1week each) between us in almost 4 years.
Has anyone ever had credit requests "referred" and subsequently been accepted? My guess is it is rare and that a referral is very very rarely accepted later but opinions/experiences would be interesting.