CIFAS

Chazzagxox

Hello,
I made a DSAR with CIFAS, And have been informed that Metro Bank Plc made a search into my Name and address, but apart from that, there is nothing on the report - I used all of my contact details That i have ever used , including all phone numbers , email addresses and addresses. I am unsure what to do now, as It is starting to cause me a lot of grief with Opening a bank account - Someone help please !!

notveryeducated

Does it say "Metro bank undertook a search on your name and address", if so then this is harmless, a search by a bank on your CIFAS report won't prevent you opening an account anywhere. The only thing related to CIFAS which prevents you from having/opening accounts is a CIFAS category 6 and category 4 markers. 

If this is the only thing that came up on your CIFAS DSAR then it's probably your credit score preventing you from opening a bank account? Maybe try a basic bank account? 

MovingForwards

What's showing in the credit history on all your files (free from MSE credit club, credit karma and Clearscore) as that's what banks and financial institutions go off. Ignore the score / rating as it's not seen or used by any financial institution as they have their own internal scoring system.

How many accounts have you tried to open in the last 6 months?
How many times have you moved address in the last 6 years?
Have you been on the electoral roll at all addresses?
Are you working or surviving on benefits?
Do you have late / missed payments, CCJs, IVA, bankruptcy, defaults showing on your credit history? If so, age, amount and if settled.
Are you new to the UK?

MovingForwards

https://forums.moneysavingexpert.com/discussion/6143304/lloyds-current-account#latest

Here is some back history.

Chazzagxox

MovingForwards said:

What's showing in the credit history on all your files (free from MSE credit club, credit karma and Clearscore) as that's what banks and financial institutions go off. Ignore the score / rating as it's not seen or used by any financial institution as they have their own internal scoring system.

How many accounts have you tried to open in the last 6 months?
How many times have you moved address in the last 6 years?
Have you been on the electoral roll at all addresses?
Are you working or surviving on benefits?
Do you have late / missed payments, CCJs, IVA, bankruptcy, defaults showing on your credit history? If so, age, amount and if settled.
Are you new to the UK?

I only tried to Open a Lloyds Account in the last 6 Months,
I havent moved at all in the last 6 years
Yes I have
No, I am not on benefits.
No, I Have never ever missed a payment for anything, and there is no bankruptcy or anything showing on my credit history.
No, I have lived in the UK for the whole of my life

MovingForwards

So what happened when you tried to open the Lloyds account?
Which Lloyds account did you try to open / open?
Who do you currently bank with?