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in this video we discuss how you can almost guarantee to pass the agreement in principle with any mortgage lender lets go hi my name is Alexa Im a qualified mortgage broker and my passion is simplifying the mortgage process for first-time buyers lets get into the event the best thing to do to find out if you are going to pass an agreement in principle with the mortgage lender is not just submitting an agreement in principle with lenders all over the show all you need to do is check your credit file and notice I say credit file not credit score the score that Credit Agencies give you is their credit scoring system not the mortgage lenders credit scoring system so you can ignore that mortgage lenders will assess your credit by accessing your files through Credit Agencies the three credit agencies are Experian Equifax and Transunion some lenders will use one of them and other lenders may use a combination such as experium for an agreement in principle and then TransUnion at the submi