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  • FIRST POST
    • GrahD
    • By GrahD 22nd Sep 16, 8:39 PM
    • 6Posts
    • 0Thanks
    GrahD
    Website glitch caused 6 hard searches on my credit report
    • #1
    • 22nd Sep 16, 8:39 PM
    Website glitch caused 6 hard searches on my credit report 22nd Sep 16 at 8:39 PM
    Hello I hope you can help me!



    I opened up a credit account on Very.co.uk I kept getting an error with the page when proceeding and retried and not knowing much about credit didn't realise it was putting hard searches on my file.


    I have just checked my credit score for the first time on Equifax it is sitting at 264, I know credit score is just an indication but it has me worried. Apart from my car finance (4 year loan) Which I started in October 2015 I have never had any other credit so I'm not sure if 264 is decent in regards to this?



    As noted above I do now have the Very credit account with a £400 limit I have bought something on there and have paid off more than the minimum on time the past 3 months. I am going to contact Very to have the searches hopefully removed but I know that I won't get the lost score back from doing so.



    For the past 12 months my credit report shows 6 Searches for Very.co.uk over 3 days and then 1 for my car but it says only 4 recorded searches as some of the Very searches were on the same day over the 3 days(2 legit searches being car and 1 of the very and 2 extra from the glitch)



    Would the searches of made a huge difference or will I be ok once they are removed? Also what steps can I take from where I am now to increase my score to a reasonable point?
Page 1
    • GingerBob
    • By GingerBob 22nd Sep 16, 9:02 PM
    • 2,685 Posts
    • 1,047 Thanks
    GingerBob
    • #2
    • 22nd Sep 16, 9:02 PM
    • #2
    • 22nd Sep 16, 9:02 PM
    Yet another issue with Very (see other current thread). And some posters here still refuse to believe that there are problems with this company.
    • GrahD
    • By GrahD 22nd Sep 16, 9:10 PM
    • 6 Posts
    • 0 Thanks
    GrahD
    • #3
    • 22nd Sep 16, 9:10 PM
    • #3
    • 22nd Sep 16, 9:10 PM
    Yeah I read the other thread before I posted and lost hope that they will clear the searches!
    • zx81
    • By zx81 22nd Sep 16, 9:18 PM
    • 8,723 Posts
    • 8,544 Thanks
    zx81
    • #4
    • 22nd Sep 16, 9:18 PM
    • #4
    • 22nd Sep 16, 9:18 PM
    If they remove them, great. If not, don't worry. A few searches will have little impact on how lenders view you in a couple of months.

    Remember that your score is in no way related to how lenders view you, so ignore it completely.
    • GrahD
    • By GrahD 22nd Sep 16, 9:24 PM
    • 6 Posts
    • 0 Thanks
    GrahD
    • #5
    • 22nd Sep 16, 9:24 PM
    • #5
    • 22nd Sep 16, 9:24 PM
    Thank you for the confidence the man I was speaking to on the phone from Equifax made it sound like it was seriously bad, but 5 minutes later was getting me to sign up to a free trial than a £15 a month membership so just felt like scaremongering me for sales.
    • zx81
    • By zx81 22nd Sep 16, 9:25 PM
    • 8,723 Posts
    • 8,544 Thanks
    zx81
    • #6
    • 22nd Sep 16, 9:25 PM
    • #6
    • 22nd Sep 16, 9:25 PM
    Good old Equifax. When they're willing to lend to you, that will be the time to start listening to their opinion.
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