Searches on Credit File - Am I up the creek?

theskewbald

After a debacle in our own bank where they have turned us down for what should have been a straightforward loan adjustment - today they will have put two checks on our file. One was a decline, the other was an accept at a stupid rate.

If I go now to another bank or online lender, to try to get a loan to sort this whole thing out, am I totally shot because there are already two searches on my file today?

[Deleted User]

They haven't put a decline or accept on your files - just searches.

They could have an impact on your file, so choose any further applications carefully.

sonstream

I'm sure the two searches could be for different amounts or different terms, if they are both the same so same company,same purpose(i.e loan) same amount, same date the search(s) were carried out on and same payment terms (if they recorded it) speak to the bank and ask them to remove the duplicate from your credit file