'A New Campaign: Stop Credit Ratings Being Anti-Shopping Around' blog discussion

Former_MSE_Lawrence

This is the discussion to link on the back of Martin's blog. Please read the blog first, as this discussion follows it.

Read Martin's "A New Campaign: Stop Credit Ratings Being Anti-Shopping Around" Blog.

Click reply to discuss below.

hanes

I hope something changes with regards to this where more lenders will allow a soft footprint rather than a full on intrusion hindering your chance of credit in the future

MothballsWallet

The "standing committee on reciprocity" - what do they do exactly? I hope this works because just seeing if you qualify for a better deal shouldn't affect your score, especially if it's just an enquiry (you should be able to do the same with mortgages - the search shouldn't be recorded as a definite application, only a quotation search).

Something else that affects your credit file, but not your credit score, is if you sign up to Experian's CreditExpert (I did on the 30 day trial, and cancelled before it was due for renewal), it will perform a daily check, which is fine.

However, the daily report email always said "activity on your file", and when I logged in to check, the only think I saw was the automated file check scanning through, which is completely !!!!!! as the way the message is worded you think someone's been in your credit file for some reason.