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  • FIRST POST
    • Cash_Cow
    • By Cash_Cow 15th May 17, 8:47 PM
    • 24Posts
    • 2Thanks
    Cash_Cow
    MSE 'soft' search shows up on credit file
    • #1
    • 15th May 17, 8:47 PM
    MSE 'soft' search shows up on credit file 15th May 17 at 8:47 PM
    Looking at getting a loan to pay off a car PCP in recent weeks and save thousands and did the MSE expert soft search that 'will not show on your credit record'. Well it has x 2!

    I clicked through to the Hitachi one they said I'd be eligible for both times as it seemed like a good deal and >BOSH< two 'administration review' searches noted by Callcredit on my file with Noddle.

    I wouldnt mind but I DID NOT APPLY - this was just front page landing click through as I continue to research.

    Why would MSE port my key personal info to Hitachi without my permission? This all smacks of putting their potemtial kickback before my privacy and I'm sorry i trusted them with my private info in this lead up to getting a loan. I'm normally very cagey with DOB and giving real name etc... :-(
Page 1
    • zx81
    • By zx81 15th May 17, 9:12 PM
    • 13,683 Posts
    • 14,143 Thanks
    zx81
    • #2
    • 15th May 17, 9:12 PM
    • #2
    • 15th May 17, 9:12 PM
    You see soft searches.

    Lenders don't.
    • bengalknights
    • By bengalknights 15th May 17, 9:56 PM
    • 4,146 Posts
    • 1,512 Thanks
    bengalknights
    • #3
    • 15th May 17, 9:56 PM
    • #3
    • 15th May 17, 9:56 PM
    As ze81 stastes on your noddle you will see it comes under soft search which only you can see
    • Cash_Cow
    • By Cash_Cow 17th May 17, 5:26 PM
    • 24 Posts
    • 2 Thanks
    Cash_Cow
    • #4
    • 17th May 17, 5:26 PM
    • #4
    • 17th May 17, 5:26 PM
    OK - thanks. Of all the ones offered via MSE only Hitachi did a search - little odd. Still, happy days as I got the loan and then Nationwide then price promise beat it by 0.5%. Goodbye overpriced PCP and I get to own my new car 100% with easy overpayments online possible
    • Malcnascar
    • By Malcnascar 18th May 17, 2:36 PM
    • 1,151 Posts
    • 1,283 Thanks
    Malcnascar
    • #5
    • 18th May 17, 2:36 PM
    • #5
    • 18th May 17, 2:36 PM
    If I had my way all lenders would have to do a soft search as part of seeking a quote. There would be a need for a full search when actually applying for a loan, this ought to help people shop around and eventually allow greater transparency and competition. I live in hope but not expectation.
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