Loads of searches on my credit report..?

GoldenShadow

Couldn't find a more applicable section for this (sorry!!) and wondered if anyone could help.

Looking at my credit report on Noddle, if I go on Credit Report Search by Others, I have SOOOOOO many listed, I was quite :eek:

42 in the last 24 months. Can't think that's good, they all seem to be similar ones too. I admit, I do a fair few quotes re the old pet insurance and car insurance, but that's literally it. Haven't applied for things on credit etc.

Recurrent ones appearing are:

Aviva Central Services Ltd

Insurance Initiatives Ltd (q) - mentions insurance comparison site so less worried by this

Bgl Group Ltd

LexisNexis Risk Solutions UK Ltd

These four make up 90% out of the 42 listed. I don't understand, can anyone help me try to figure out what they are?

I literally have one phone contract, a pet insurance policy (both paid monthly), car insurance is paid annually, one credit card (with my bank) and one store card. I'm a student, that's all I have...

I'm worried this is going to look terrible, I have no idea what they are for. I applied for a Debenhams store card over a year ago and the person on the till tried to put it through about three times (couldn't decide if student finance counted as income or not), never been turned down for anything else though.

Help?!

giblet10

Most likely they'll be 'soft searches' which other lenders don't see.

izools

Yeah sounds like they're just quotation searches from you using price comparison sites.

They don't affect your credit worthiness.

older_wiser

thats not entirely true izools some of these insurance quotations are actually credit searches. look for a thread with aviva and you will find others that had this problem. i had the same problem about 18 months ago where several insurance quotations were full credit searches thankfully it was only on equifax and now dropped off. A further year from that date i had more searches from other insurance companies but these were just quotations. This will happen every 12 months unless you opt out but nowhere does it tell how and where you do this.

izools

older_wiser wrote: »

thats not entirely true izools some of these insurance quotations are actually credit searches. look for a thread with aviva and you will find others that had this problem. i had the same problem about 18 months ago where several insurance quotations were full credit searches thankfully it was only on equifax and now dropped off. A further year from that date i had more searches from other insurance companies but these were just quotations. This will happen every 12 months unless you opt out but nowhere does it tell how and where you do this.

Yes Aviva are the odd one out and frankly I'm surprised they haven't been subject to a class action lawsuit or similar yet as their practices are a clear contravention of the DPA.

Thankfully however they only search Call Credit, which scarcely anyone else bothers with, so it isn't likely to have any real world impact on any credit applications moving forwards.

GoldenShadow

Is there any way to find out if they are full searches? Never done an Aviva quote in my life and I didn't think they were on comparison sites...

Any tips on how I can stop these reappearing, they are listed on dates that I haven't obtained quotes??

Thanks for the replies.

izools

It sounds like they were done on the anniversary of your obtaining a quote at some point in the past perhaps? You should contact the price comparison site you got quotes from and opt out of further auto-quotes.

If the "Search Type" is listed as "Quotation" or "Insurance Quotation" or "Insurance" or "Unrecorded Enquiry" or "Identification: Generic Check", they are unrecorded and invisible to other lenders.

GoldenShadow

izools wrote: »

It sounds like they were done on the anniversary of your obtaining a quote at some point in the past perhaps? You should contact the price comparison site you got quotes from and opt out of further auto-quotes.

If the "Search Type" is listed as "Quotation" or "Insurance Quotation" or "Insurance" or "Unrecorded Enquiry" or "Identification: Generic Check", they are unrecorded and invisible to other lenders.

They are all 'General Insurance' or 'General Insurance (credit)' or 'Quotation Search', sounds like they may be invisible

The_Boss

Have you done any financial product searches on price comparison websites to receive quotes?

darkcloudi

I tend to change my name to Mr Test Man when doing these comparison searches as I tend to pay my balance in full so don't see any reason for the insurance company doing a search on my file as i'm not getting any credit. They only need to know anything once I get the insurance with them.

Since doing this less searches on my file. But do agree with the others that they are insurance searches so it cannot be seen by credit lenders, although as someone has pointed out I also have heard they are few companies that do a proper search and this was the reason to changing my name to Mr Test Man just for comparison sites Now others stay away from my name as there is only one Mr Test Man

The_Boss

darkcloudi wrote: »

I tend to change my name to Mr Test Man when doing these comparison searches as I tend to pay my balance in full so don't see any reason for the insurance company doing a search on my file as i'm not getting any credit. They only need to know anything once I get the insurance with them.

Since doing this less searches on my file. But do agree with the others that they are insurance searches so it cannot be seen by credit lenders, although as someone has pointed out I also have heard they are few companies that do a proper search and this was the reason to changing my name to Mr Test Man just for comparison sites Now others stay away from my name as there is only one Mr Test Man

If they are from price comparison sites like Confused.com or Go Compare then they are not visible to lenders.

If you use a fake name then is there a risk of some lenders not providing quotes if they cannot locate an individual?