Searches on credit file

dazzaofdagenham

I see on my credit file.....with Equifax at least that there are 2 types of search
credit and other

Now it says I have had one credit search recently ( correct )
yet there appears to be multiple other searches ....these look like ID checks and such as when I have searched for car / home / life insurance.....these number to about 30......who sees these other checks and should I be worried about the amount of them 

onlyfoolsandparking

There's only 2 type of searches hard and soft, hard is when you've made a full application for a credit product and soft is as you say car / home insurance etc. All potential lenders see hard searches but no one but you sees soft searches and no you shouldn't worry at all about soft searches. 

dazzaofdagenham

Ok thank you.
i was thinking that if “soft” searches are seen and could affect credit applications then that would poss put me off from searching each year for new car / house insurance 

Richardsondawn

I applied for an HSBC First Direct account Hard Search.. but cooled off within 14 day period,  also was looking at Talk Talk which was a soft search my credit rating went down this month..

D3xt3r5L4b

Richardsondawn said:

I applied for an HSBC First Direct account Hard Search.. but cooled off within 14 day period,  also was looking at Talk Talk which was a soft search my credit rating went down this month..

What’s your point here?