Credit Check Search History impacting my score

tommy2belts

Hi All

I have no bad debt and no missed payments

£3k On credit card
£6k Loan
£22k on car finance

I'm on a salary of £54k

my credit score is only 548 on noddle???

The only thing i can think is the amount of stuff in my credit search history

Since 1st March 2018 i have the following searches

Admin Review x7
General Insurance x8
Quotation Search x20
ID Check x4
Anti Money Laundering x7
Checking Credit Application x7

Which of these could be affecting my score and how long do i need to be search free for to get my score back up

Thanks in advance

glentoran99

Score is irrelevant


but the fact you owe 57% of your salary already means you aren't going to be getting more credit anytime soon

[Deleted User]

The weather is affecting your score.

It's a made up number. Forget it.

You're a little overstretched with your car finance, but other than that, thee seems to be little to concern lenders.

Carrot007

glentoran99 wrote: »

Score is irrelevant


but the fact you owe 57% of your salary already means you aren't going to be getting more credit anytime soon

This. Pay off your debts and get credit card utilage right down.


Ignore the searches mostly, maybe stop the quatation searches by telling the sites you have done comparions on to stop it, but it it really 0.00001% of you issues. (and just an imagined issue).

tommy2belts

if that were true then anyone with a mortgage would never be able to take further credit

[Deleted User]

If what was true?

The fact the scores are made up?

That is true.

Ignore the made up score/rating!!

glentoran99

tommy2belts wrote: »

if that were true then anyone with a mortgage would never be able to take further credit

A mortgage is secured on a house, not unsecured personal debt