NatWest performed two credit checks and my score dropped 150 points

Zyie

So I applied for a joint account with my girlfriend at the end of November online. We waited a few weeks and heard nothing from them so we went into the branch.

They redid our application and everything was setup. However I just checked my credit score and it dropped by 150 points becuase there is 2 enquiries. Internet and in branch

Is there anything I can do to fix this? I didn't really have a credit score before since I just got out of university but it's now below 200 and that seems bad

[Deleted User]

Don't worry. Your credit score is a made up number. Nobody sees it and nobody cares about it.

The searches will have limited impact, especially after a couple of months.

MEM62

Zyie wrote: »

I didn't really have a credit score before

And you don't have one now either and you can safely ignore any radomly generated number presented to you as such.

A couple of searches will have a minimum impact on your credit standing so are nothning to be concerned about.

Pixie5740

Zyie wrote: »

So I applied for a joint account with my girlfriend at the end of November online. We waited a few weeks and heard nothing from them so we went into the branch.

They redid our application and everything was setup. However I just checked my credit score and it dropped by 150 points becuase there is 2 enquiries. Internet and in branch

Is there anything I can do to fix this? I didn't really have a credit score before since I just got out of university but it's now below 200 and that seems bad

Anything you can do? Read the sticky at the top of the board.

Anthorn

Zyie wrote: »

So I applied for a joint account with my girlfriend at the end of November online. We waited a few weeks and heard nothing from them so we went into the branch.

They redid our application and everything was setup. However I just checked my credit score and it dropped by 150 points becuase there is 2 enquiries. Internet and in branch

Is there anything I can do to fix this? I didn't really have a credit score before since I just got out of university but it's now below 200 and that seems bad

Are you sure that both of the searches are hard credit searches or is one a hard search and one a soft search. It's happened to me loads of times that I get searched for an ID check and again for a credit check. Most recently it was Starling Bank who did two ID checks and a credit search. Lenders don't see soft searches.

Only once I had more than one credit search for the same application and that was a full credit search on my current address and another full credit search on my previous address which I thought was unnecessary. I complained to the company concerned but I didn't receive a reply. I'm not with that company now.