Website glitch caused 6 hard searches on my credit report

GrahD

Hello I hope you can help me!



I opened up a credit account on Very.co.uk I kept getting an error with the page when proceeding and retried and not knowing much about credit didn't realise it was putting hard searches on my file.


I have just checked my credit score for the first time on Equifax it is sitting at 264, I know credit score is just an indication but it has me worried. Apart from my car finance (4 year loan) Which I started in October 2015 I have never had any other credit so I'm not sure if 264 is decent in regards to this?



As noted above I do now have the Very credit account with a £400 limit I have bought something on there and have paid off more than the minimum on time the past 3 months. I am going to contact Very to have the searches hopefully removed but I know that I won't get the lost score back from doing so.



For the past 12 months my credit report shows 6 Searches for Very.co.uk over 3 days and then 1 for my car but it says only 4 recorded searches as some of the Very searches were on the same day over the 3 days(2 legit searches being car and 1 of the very and 2 extra from the glitch)



Would the searches of made a huge difference or will I be ok once they are removed? Also what steps can I take from where I am now to increase my score to a reasonable point?

GingerBob_3

Yet another issue with Very (see other current thread). And some posters here still refuse to believe that there are problems with this company.

GrahD

Yeah I read the other thread before I posted and lost hope that they will clear the searches!

[Deleted User]

If they remove them, great. If not, don't worry. A few searches will have little impact on how lenders view you in a couple of months.

Remember that your score is in no way related to how lenders view you, so ignore it completely.

GrahD

Thank you for the confidence the man I was speaking to on the phone from Equifax made it sound like it was seriously bad, but 5 minutes later was getting me to sign up to a free trial than a £15 a month membership so just felt like scaremongering me for sales.

[Deleted User]

Good old Equifax. When they're willing to lend to you, that will be the time to start listening to their opinion.