does this affect our credit?

redpoison

I have my updated version of my credit file and there are searches on there i didnt say they could do..

1 is with nationwide when i asked them to do it manually (for a debit card) but they never and it shows on my credit file..

and secondly shoppercheck (our local loan unsecured loan company like provident) they did a search when i asked for a loan few months ago.. and i wasnt aware and wasnt told they do this ?

my credit score is poor was poor last year too and loads and loads of debts have come off ince.. i dont understand?

just wondering if searches affect my score at alll?

pania

Hiya redpoison. It is a regulation of the FSA that any financial institution has to advise you if a credit check will be carried out and the depth to which that will be done. They are also required to advise you of whether or not the check will leave a "footprint" on your credit rating, ie will be visible to others and of the fact that numerous credit checks could adversely affect your credit rating.

To be honest 2 credit checks are unlikely to impair your credit rating significantly but probavly best to leave it at that for a while, they will drop off in 6 months anyhoo,
However do voice a strongly worded complaint to the companies mentioned, nationwide especially should know better!! hope this helps. P xx