Credit Reference Agency Searches

lala9

There may already be a thread on this but I couldn't seem to find one.

How long exactly do searches stay on your credit file for nowadays? I have just been looking at my Experian credit report and there are searches that are well over twelve months old now. Surely they haven't upped the threshold to two years or something crazy like that.

Lala

Tixy

Yep its 2 years (well I think the experian guide actually says something like 'usually 2years' but doesn't say when its not 2years).
That said the general consensus seems to be that lenders don't pay much attention to any over a year old.

lala9

Thanks for that, but that really is ridiculous isn't it, these CRAs try to throw a spanner in the works at every level don't they, I'm suprised that 'anybody' can obtain credit nowadays!!

...Rant over with :-)