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  • FIRST POST
    • Somerset La La La
    • By Somerset La La La 11th Nov 17, 8:23 PM
    • 439Posts
    • 122Thanks
    Somerset La La La
    Multiple Credit Searches - Same Day (Experian)
    • #1
    • 11th Nov 17, 8:23 PM
    Multiple Credit Searches - Same Day (Experian) 11th Nov 17 at 8:23 PM
    I've read before multiple credit searches on the same day from the same company only count 1 for scoring purposes - is this true?

    e.g. if you've got 3 x Natwest searches from 1 day, will Experian show 3 x searches to a future lender, or only show 1?

    Since lenders don't get names of other enquirers, I'd imagine (if the above is true) that it would need to be Experian (and other CRAs, where appropriate) making this decision to mask the additional 2 searches....?

    If so, that presents the question as to if they do why they don't also mask them when an individual checks their own report....

    I know there's an Experian rep on here... hopefully they can enlighten us, officially???
    Ex-Bankrupt, Discharged 09/2015
    Capital One - Jul 2016, £3,750 Never ending 0%....
    Aqua Reward (0.5% Cashback) - Nov 2016 - £1,950
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Page 1
    • Gary_Dexter
    • By Gary_Dexter 11th Nov 17, 8:31 PM
    • 79 Posts
    • 53 Thanks
    Gary_Dexter
    • #2
    • 11th Nov 17, 8:31 PM
    • #2
    • 11th Nov 17, 8:31 PM
    The searches are probably a credit check, an identity check and then something else.

    Perfectly normal
    • Somerset La La La
    • By Somerset La La La 11th Nov 17, 8:33 PM
    • 439 Posts
    • 122 Thanks
    Somerset La La La
    • #3
    • 11th Nov 17, 8:33 PM
    • #3
    • 11th Nov 17, 8:33 PM
    Sometimes you get 2 x full credit checks - 1 at current address and 1 at former address (or that's how Experian and Equifax present it).

    Also if you were to apply for 2 products, they'd do two checks.

    Not concerned about the checks themselves, just wondering if they actually are 'consolidated' in the case of more than 1 credit check - as there's nothing to stop you applying for, say, 2 x [Company Name] Credit Cards on the same day
    Ex-Bankrupt, Discharged 09/2015
    Capital One - Jul 2016, £3,750 Never ending 0%....
    Aqua Reward (0.5% Cashback) - Nov 2016 - £1,950
    Vanquis Chrome 24.7% - July 2017, £1,000
    Car Loan - Sept 2017 - £15k outstanding, early settlement = £10k....
    Rebuild for Mortgage (10/2018)
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