Are unrecognised soft searches something to be anxious about?

Legacy_user

I've just checked Noddle, and there are several searches showing from 24 January, categorised variously as ID checks, quotation searches and general insurance. I've got similar soft searches showing up on my Experian report, for the same date, although nothing on Clearscore.

The searches look like the sort of thing that you might get when you go onto comparison websites to get quotes for car or home insurance, which I definitely haven't done in ages. I did get a few emails the other day from comparison websites telling me that one of my insurances is due soon (which is true), so is it possible that they've done these searches in anticipation of me using them again this year to find insurance quotes?

This has made me look a bit more closely at my reports in general, and there's a search on Clearscore from October that I don't recognise (totallymoney.com, 2 searches for a credit quotation). I've never heard of totallymoney, and wouldn't have been looking for credit at the time, although I was browsing new mobile phone contracts and changing utilities.

I realise these are probably all soft searches and so don't have an impact on my file, but I don't like seeing unexpected things on my credit report and wanted to check to make sure it's not indicative of a problem that I need to sort out!

[Deleted User]

If you agreed for the comparison sites to look for quotes for you when you insurance is due for renewal then it could be because of this

Shakin_Steve

There’s no need to worry in the respect that no one but you can see them. I get these quite often, usually generic ID checks, insurance quotes or, as on yours, credit quotations. Sometimes they are from companies I have a relationship with, sometimes not.

tenchy

Shakin_Steve wrote: »

There’s no need to worry in the respect that no one but you can see them. I get these quite often, usually generic ID checks, insurance quotes or, as on yours, credit quotations. Sometimes they are from companies I have a relationship with, sometimes not.

But if you don't have a relationship with a company, how come they've got permission to look at your file, assuming you didn't give it somehow or other?

Shakin_Steve

tenchy wrote: »

But if you don't have a relationship with a company, how come they've got permission to look at your file, assuming you didn't give it somehow or other?

The ones on my file are these new fangled companies that do anti fraud checks for various others. There have bee threads on here about them. I’ll have a trawl when I get time.

Shakin_Steve

Just had a look at my ClearScore report. Two companies that have searched recently are ONFIDO LIMITED and EVOLUTION FUNDING LIMITED.
Have a google.

System

Thanks everyone; I feel a bit better now

tenchy

Shakin_Steve wrote: »

Just had a look at my ClearScore report. Two companies that have searched recently are ONFIDO LIMITED and EVOLUTION FUNDING LIMITED.
Have a google.

I just read up on Onfido. What a thoroughly grubby little company.