Hard search?

dk5294

This is showing on my husbands clear score report.
It is in the section that says other lenders can see it. Can anyone confirm this is a hard search??

Leeds Building Society (DL)
Search for Credit Application
Latest on 10 February 2017

DCFC79

I dont believe they would see who did the search but what type of search it was eg for a credit card, loan etc.

dk5294

A mortgage and it's in this section (copied and pasted from clearscore site)

Credit application searches
A credit application search is done when you apply for credit. They are visible to other lenders and too many may harm your score.

LEEDS BUILDING SOCIETY(DL)
Most recent search on 10 February 2017
Search for Credit Application
Latest on 10 February 2017

PaulW922

DCFC is correct. Other potential lenders will see the date of search, type of search and product applied for, and sometimes the amount of credit asked for and date of birth provided. They will not know it was searched by Leeds B Soc and will not know whether or not the credit was granted.

It is definitely a hard search based on what you have pasted

dk5294

Thank you.

As the hard search was done before our full mortgage application was in, husband was finding it hard to believe. Don't think he can believe someone is finally happy with his credit. (There's nothing wrong with it, he's just anal about it.)

GingerBob_3

Don't forget that mortgage providers try to catch out their customers by mugging them with a second hard search very close to completion. You know, just at the time you may be taking out credit to buy furniture and the like.

dk5294

Yes! I've warned him they may do another just before. It states in their terms and conditions they may do so 'during final checks'. He wouldn't even pay for a Chinese tonight in case they asked for more bank statements and wanted to know what he'd spent £8 on! Nightmare.