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  • FIRST POST
    • mds303
    • By mds303 24th Feb 17, 8:15 AM
    • 17Posts
    • 2Thanks
    mds303
    Multiple searches after 1 application
    • #1
    • 24th Feb 17, 8:15 AM
    Multiple searches after 1 application 24th Feb 17 at 8:15 AM
    In Dec I applied for a capitalOne credit repair credit card successfully. Today I had a look over my noddle credit file and have noticed 4 searches by capitalOne.
    How do i get this corrected as i am trying to improve my credit score and this sort of thing doesn't help.
    Thanks
Page 1
    • mwarby
    • By mwarby 24th Feb 17, 8:30 AM
    • 801 Posts
    • 301 Thanks
    mwarby
    • #2
    • 24th Feb 17, 8:30 AM
    • #2
    • 24th Feb 17, 8:30 AM
    Are they all hard searches, or do some mention aml(anti money laundering) or Id checks. It may also be that one is a quotation search(used to avoid hard searching someone unsuitable, aka soft search)
    • bengalknights
    • By bengalknights 24th Feb 17, 9:16 AM
    • 4,075 Posts
    • 1,489 Thanks
    bengalknights
    • #3
    • 24th Feb 17, 9:16 AM
    • #3
    • 24th Feb 17, 9:16 AM
    They should be different types (ID, AML, Credit) otherwise put a notice of correction in to Capital One
    • Nasqueron
    • By Nasqueron 24th Feb 17, 9:54 AM
    • 4,179 Posts
    • 2,327 Thanks
    Nasqueron
    • #4
    • 24th Feb 17, 9:54 AM
    • #4
    • 24th Feb 17, 9:54 AM
    In Dec I applied for a capitalOne credit repair credit card successfully. Today I had a look over my noddle credit file and have noticed 4 searches by capitalOne.
    How do i get this corrected as i am trying to improve my credit score and this sort of thing doesn't help.
    Thanks
    Originally posted by mds303
    Please don't fall for the marketing guff of the credit agencies. Your score is entirely made up and nobody but you sees it. The way to improve your credit record is to behave responsibly - pay off the card in full every month and don't have any late payments etc and your credit worthiness will improve. Every lender has their own internal scoring system which you will never see and that is all that matters, not some fictitious number a credit agency generates to encourage you to give them money so they can help you improve the score that they generate
    • mds303
    • By mds303 25th Feb 17, 12:11 PM
    • 17 Posts
    • 2 Thanks
    mds303
    • #5
    • 25th Feb 17, 12:11 PM
    • #5
    • 25th Feb 17, 12:11 PM
    Ok, thanks guys. How do I put a notice if correction to capital one? Do I call them? Sorry for the silly question. I am quite new to this.
    • jonesMUFCforever
    • By jonesMUFCforever 25th Feb 17, 12:35 PM
    • 23,898 Posts
    • 11,160 Thanks
    jonesMUFCforever
    • #6
    • 25th Feb 17, 12:35 PM
    • #6
    • 25th Feb 17, 12:35 PM
    Are you likely to want to apply for anything else in next 6 months?
    If not just leave it is my advise - sometimes a correction can cause more problems that it can solve.
    What goes around - comes around
    give lots and you will always receive lots
    • Nasqueron
    • By Nasqueron 25th Feb 17, 4:57 PM
    • 4,179 Posts
    • 2,327 Thanks
    Nasqueron
    • #7
    • 25th Feb 17, 4:57 PM
    • #7
    • 25th Feb 17, 4:57 PM
    Ok, thanks guys. How do I put a notice if correction to capital one? Do I call them? Sorry for the silly question. I am quite new to this.
    Originally posted by mds303
    Don't bother, seriously, not going to solve anything, some searches after you took a card out is normal. It's not going to make any difference in the long run as you'll be paying the card off in full every month for some time won't you? That'll help improve your credit worthiness, adding a note just makes it look like you don't understand the system
    • mds303
    • By mds303 19th Mar 17, 2:37 PM
    • 17 Posts
    • 2 Thanks
    mds303
    • #8
    • 19th Mar 17, 2:37 PM
    • #8
    • 19th Mar 17, 2:37 PM
    Good point.
    Thanks
    • DCFC79
    • By DCFC79 19th Mar 17, 2:40 PM
    • 29,756 Posts
    • 18,837 Thanks
    DCFC79
    • #9
    • 19th Mar 17, 2:40 PM
    • #9
    • 19th Mar 17, 2:40 PM
    Dont worry about the credit score, only you can see it.
    Can people stop loaning money/being a guarator to family/friends, it rarely ends well and you lose out as your money is gone or you get shafted with being a guarantor.
    • Ben8282
    • By Ben8282 20th Mar 17, 3:31 AM
    • 1,989 Posts
    • 863 Thanks
    Ben8282
    Ok, thanks guys. How do I put a notice if correction to capital one? Do I call them? Sorry for the silly question. I am quite new to this.
    Originally posted by mds303
    Before you do this and make a fool of yourself address the question that has been asked. As you are aware of the 4 searches then you have access to the full credit report.
    What type of searches are they? Are they all hard searches? How many are stated as having an impact on your score and how many are not. Last time I applied for a credit card there were 2 searches - 1 soft and 1 hard but only the hard search (the actual credit application search) was indicated as having an effect on my score.
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