I have a poor credit score (408 on Experian) with defaults totalling £3500 from 3/4 years ago (will be settled before completion also some use of pdl's. I applied for a mortgage of £102k with nationwide and got an agreement in principle. They also logged a hard search for the £102k after a soft search with Experian. All went through approved ok. My score has gone down to 387 due to this hard search. I am happy to do a full application with nationwide however I am unsure now. Will they decline the application at a later date or is the AIP with the hard credit search saying yes they will approve it all once I provide the payslips requested and asking as my income is what I said (it is). Any help is greatly appreciated as I am a first time buyer (lone applicant).