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  • FIRST POST
    • bluehydrangeas
    • By bluehydrangeas 10th Feb 18, 6:50 AM
    • 46Posts
    • 29Thanks
    bluehydrangeas
    Current accounts causing hard searches on CR
    • #1
    • 10th Feb 18, 6:50 AM
    Current accounts causing hard searches on CR 10th Feb 18 at 6:50 AM
    Over the last few months, I've opened current accounts with a few different banks. In each case I did not request an overdraft when applying. Despite this, I have credit application searches (also known as hard searches) appearing on my Clearscore report. There are searches from Natwest, HSBC and First Direct from the dates that I applied for the accounts. I only have current accounts with each of these. Never asked for or been offered an overdraft by them. Is it normal for current account applications to result in hard searches being recorded on Clearscore?
Page 1
    • Shakin Steve
    • By Shakin Steve 10th Feb 18, 7:16 AM
    • 1,322 Posts
    • 1,002 Thanks
    Shakin Steve
    • #2
    • 10th Feb 18, 7:16 AM
    • #2
    • 10th Feb 18, 7:16 AM
    Lots of discussion here:

    http://forums.moneysavingexpert.com/showthread.php?t=5787552
    I came into this world with nothing and I've got most of it left.
    • Kim_13
    • By Kim_13 10th Feb 18, 8:55 AM
    • 1,902 Posts
    • 2,022 Thanks
    Kim_13
    • #3
    • 10th Feb 18, 8:55 AM
    • #3
    • 10th Feb 18, 8:55 AM
    This is normal.

    Although you did not request an overdraft, a current account gives the option of going into an unauthorised overdraft, so they search for this reason.
    Sealed Pot 11 #520 ~ /£100
    VSP 2018 #9 ~ £19.55/£180.00
    CCCC 2018 #1 ~ £20.75/£180.00

    I'm a Board Guide on the Savings and Investments , Budgeting and Bank Accounts , Credit Cards and Marriage, Relationships and Families boards which means I volunteer to help get your forum questions answered and keep the forum running smoothly. Please remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this.) Any views are mine and not the official line of MoneySavingExpert.com
    • EachPenny
    • By EachPenny 10th Feb 18, 9:52 AM
    • 4,577 Posts
    • 9,320 Thanks
    EachPenny
    • #4
    • 10th Feb 18, 9:52 AM
    • #4
    • 10th Feb 18, 9:52 AM
    The application process should also tell you that a search is about to be carried out and seek your consent for it.
    "In the future, everyone will be rich for 15 minutes"
    • EarthBoy
    • By EarthBoy 10th Feb 18, 10:42 AM
    • 1,804 Posts
    • 1,108 Thanks
    EarthBoy
    • #5
    • 10th Feb 18, 10:42 AM
    • #5
    • 10th Feb 18, 10:42 AM
    The application process should also tell you that a search is about to be carried out and seek your consent for it.
    Originally posted by EachPenny
    And if you don't consent your application will automatically be rejected.
    • badger09
    • By badger09 10th Feb 18, 11:23 AM
    • 5,896 Posts
    • 5,231 Thanks
    badger09
    • #6
    • 10th Feb 18, 11:23 AM
    • #6
    • 10th Feb 18, 11:23 AM
    Perfectly normal as others have said.

    Do you have any concerns about this? If so, what are they? Perhaps we can allay them.
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