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What is a Generic Check on my credit file
Innocent_Guy
Posts: 5,369 Forumite
in Credit cards
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?
Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
6 credit accounts closed in 2010!
Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
6 credit accounts closed in 2010!
Official SOS Club number 001 - Dry until 01.07.10
0
Comments
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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).0 -
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;)Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
6 credit accounts closed in 2010!
Official SOS Club number 001 - Dry until 01.07.100 -
If you were looking at an Experian paper copy statutory report they would do. Which report are you looking at?Innocent_Guy wrote: »They do not say unrecorded search though0 -
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 scoreBank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
6 credit accounts closed in 2010!
Official SOS Club number 001 - Dry until 01.07.100 -
See post #2Innocent_Guy wrote: »Online report.... Will it impact my score0 -
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.0
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