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Why is there 3 loan claims on my file?

isan00b90
isan00b90 Posts: 4 Newbie
edited 25 September 2014 at 1:40PM in Credit file & ratings
Edit: Why are there 3 claims on my I should've written :o

Hi

So I applied for 0% financing on a laptop but got refused straight away (don't know why, I have good credit)

So I ordered my credit file and on the date and time it has 3 different instances of a loan application. Why is this? Shouldn't it just be one? And would this negatively affect my credit file?

Thanks

Comments

  • Tixy
    Tixy Posts: 31,455 Forumite
    Yes it should be just one.

    It might possibly affect your ability to get other credit in the short term.

    I would write to the company that searched your file and ask them to remove 2 of the searches.
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • isan00b90
    isan00b90 Posts: 4 Newbie
    Hi, thanks for that.

    So I used Experian - so just write to those guys?
  • MrSilk
    MrSilk Posts: 1,521 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Maybe one was a credit search, one was an anti money laundering check and the other an administration review?
  • Tixy
    Tixy Posts: 31,455 Forumite
    No write to the company that undertook the seaches, not the credit reference agency.

    Assuming, that is, that all 3 are credit application searches.
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
This discussion has been closed.
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