[katie d]

...searching the market but...? now my credit score is bad. I went looking for quotes at all the major banks and building societies but some of them said they couldn't even give me a basic quote without a quick credit check. I then allowed them to do a credit check- Halifax bank was particularly impressed with how good my credit score was. Now I have found the deal i want at Nationwide but now my credit score is bad because i have had too many credit checks. The banks that did the checks did not inform me that having too many checks would give me bad credit. Now Nationwide said i will be lucky to even get a mortgage with bad credit in todays market, and the bad credit will stay with me for 6 months! now i will have to continue paying the 7% rate i have at the moment- but it seems unfair when i was set to swap to a 4.1% rate. This means an extra £150 a month on my mortgage! I have never owed any money in my life and feel like these big banks have cheated me. Do i have any legal standing?

[Little Rock Realtor]

No, it is sad. I tell people al the time not to let people pull your credit score. The only thing to do is to wait 6 months and then refinance. I think that interest rates may even go down a little so it still might work out for you.

[origamimark]

Hang on in there until things improve.