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Do credit searches really disappear after 12 months?
TheJackah
Posts: 56 Forumite
I've always been told that, after 12 months, credit searches 'fall off' a credit file. But does this mean that lenders cannot see searches older than 12 months, including for the purposes of a mortgage, or only that I, as the consumer, cannot see it on my file?
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Comments
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Both you and lenders0
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Don't one of the CRAs (can't remember which one) keep searches on file for 2 years.0
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Just checked. Equifax 1 year, Experian 2 years, Call Credit 2 years.
Also don't forget theirs a fourth secret DCA called National Hunter that doesn't say.
The regulator should really standardise this. These leaching companies get away with murder.0 -
Just checked. Equifax 1 year, Experian 2 years, Call Credit 2 years.
Also don't forget theirs a fourth secret DCA called National Hunter that doesn't say.
The regulator should really standardise this. These leaching companies get away with murder.
Experian is 1 year.
National Hunter and Synectics Solutions are fraud prevention agencies, not credit reference agencies.0 -
Note that hard searches mean little to most lenders after 6 months.2.88 kWp System, SE Facing, 30 Degree Pitch, 12 x 240W Conergy Panels, Samil Solar River Inverter, Havant, Hampshire. Installed July 2012, acquired by me on purchase of house in August 20170
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OK thanks everyone! Trust Call Credit to be the awkward one.0
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