Smiffy
Grand Slam Winner
Experian will be able to remove this marker once Santander fix the issue. As I said in the first reply post, Santander record payment/transactions with all three bureaus as a lender so it would still be recommended that you make sure as it won't always be Experian that lenders solely check. It might very well be all a-OK but its not something I would personally leave to chance and make sure its resolved on all of the data held.
Experian's consumer data (the stuff you and I see) runs approximately 20-30 days behind live. Lenders use Experian's CAIS data which is a real-time -1 day (IIRC) version. This may account for why you can't see it but they can.
Hopefully they get it sorted out soon, having been a victim of Lloyds incompetence in 2010 I know what its like. Thankfully, after working in credit underwriting for a few years, I understand it all better now, which is helpful.
The thing that's annoying me mate, is that the broker is using a Mortgage lender that I had never heard of. When he gave me the name, I googled it and found they were a company that specialised in "difficult" cases and would look at applications with CCJ's etc.
This was BEFORE this blip was discovered.
When I questioned it with him, he said it was because of my age (63) and he had to go with a lender that would take that into account and also take into account that the vast majority of my earnings are commission based. He told me not to worry about it, and chatting to another financial advisor bore out what he was saying.
It seems strange that a lender who deals with "difficult cases" and CCJ cases would decline a bona fida application from somebody who has such an insignificant "blip" like one late payment!!