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Previous Searches
Poorcouple
Posts: 45 Forumite
Hi All,
I'm just doing some Credit Report tidying up, and wanted to know whether any of these 'Previous Searches' will have a detriment to my record, and whether there is anything I can do if so?
Thanks alll
I'm just doing some Credit Report tidying up, and wanted to know whether any of these 'Previous Searches' will have a detriment to my record, and whether there is anything I can do if so?
- Credit Card
- Business Airtime Retail (3 mobile)
- Identification: Generic Check
- Quotation Insurance
- Unrecorded Enquiry
- Credit Report
Thanks alll
0
Comments
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Depends which credit reference agency you are using as to how quick the searches drop off. (1 year experian, 2 years noddle, 1 or 2 years equifax).
No reason to think any of those would have a detrimental effect to your ability to get credit. Only the top 2 are credit application searches anyway, and whilst its not good to have a large number of these close together 2 over a few months is not excessive.A smile enriches those who receive without making poorer those who giveor "It costs nowt to be nice"0 -
I had a horrible time getting a decent phone service last year, and ended up getting 4 separate contracts within around 2 months.
All were accepted but all were terminated, (my choice) as I received no signal where I live despite a promise of network coverage. As all of these were accepted, will they also come off after 1 year? I notice only one of these is showing on my previous searches anyway?0 -
Do they just appear as a search? or do they appear in the accounts section of your credit file?
If they show as an account and then show as closed/settled then they will stay on file for 6 years from the date the account was closed.A smile enriches those who receive without making poorer those who giveor "It costs nowt to be nice"0 -
Do they just appear as a search? or do they appear in the accounts section of your credit file?
If they show as an account and then show as closed/settled then they will stay on file for 6 years from the date the account was closed.
They show as settled and closed accounts.
6 years then0 -
Poorcouple wrote: »They show as settled and closed accounts.
6 years then
If you suspect they're having a detrimental effect on your ability to get credit you may want to consider adding a notice of correction to your file explaining that you had so many contracts due to signal issues with each one.What will your verse be?
R.I.P Robin Williams.0
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