What is a Generic Check on my credit file

Innocent_Guy

Hi All, I have 2 "Generic Checks" on my credit file. WHat are these? Also do they harm my rating? Does these count as Searchs to my file and will this have a negitive impact on applying for credit?

YorkshireBoy

They're unrecorded enquiries, meaning they're not seen by other lenders when searching your file so have no negative impact.

They're typically made for ID and money laundering reasons, and normally for savings accounts and other non-credit applications (although you'll sometimes see an ID search in addition to a credit search carried out by credit providers).

Innocent_Guy

YorkshireBoy wrote: »

They're unrecorded enquiries, meaning they're not seen by other lenders when searching your file so have no negative impact.

They're typically made for ID and money laundering reasons, and normally for savings accounts and other non-credit applications (although you'll sometimes see an ID search in addition to a credit search carried out by credit providers).

They do not say unrecorded search though

Thanks for input anyway;)

YorkshireBoy

Innocent_Guy wrote: »

They do not say unrecorded search though

If you were looking at an Experian paper copy statutory report they would do. Which report are you looking at?

Innocent_Guy

YorkshireBoy wrote: »

If you were looking at an Experian paper copy statutory report they would do. Which report are you looking at?

Online report.... Will it impact my score

YorkshireBoy

Innocent_Guy wrote: »

Online report.... Will it impact my score

See post #2

chocsessential

I know this is an old thread but it's relevant today for me. I also have had a generic check on my file recently. It does not seem fair that people can check my file and it does not say who they are. I would like to know who's asking questions about me.