How long does a search stay on your credit file?

in*the*red_6

Hi

I've just been turned down online for a balance transfer card because of the amount of credit available to us on other cards. Can anyone tell me how long this will stay on file?

Thanks

ITR

cmc_entertainment

i *think* its 12 months; but if you do the 6 month rule to apply for stuff then is generally ok [await to be corrected :rolleyes: ]

file_wizzard

Experian & Equifax hold details or searches for 12 months, Call credit for 24 months, however most lenders are only really concerned with the last six months

Mike_St_Helens

its 12 months, as an x credit analyst. it really doesnt matter when the searches were we looked at the 1st 6 months 1st then the whole as a 12 months to make a decision, id say i would approve at around 15-20 searches being ok.