We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
New search on credit file
CBat
Posts: 20 Forumite
Hello,
My husband made a purchase from Argos over the weekend and has chosen to pay for it interest free over 6 months. This involved a credit search before being approved.
I've been notified that a hard search by Argos has been added to my credit score. I called Argos and they said its because we have a joint debit account (we don't have any joint credit). This has never happened with any of our previous credit applications - is this normal? He didn't provide them with any of my details, so all very confusing.
My husband made a purchase from Argos over the weekend and has chosen to pay for it interest free over 6 months. This involved a credit search before being approved.
I've been notified that a hard search by Argos has been added to my credit score. I called Argos and they said its because we have a joint debit account (we don't have any joint credit). This has never happened with any of our previous credit applications - is this normal? He didn't provide them with any of my details, so all very confusing.
0
Comments
-
Yes it’s normal.
Of you’re financially linked/associated then a lender can search either one of your files when an application is made.0 -
Okay, thank you. Never come across it before.0
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.2K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.3K Spending & Discounts
- 247.2K Work, Benefits & Business
- 603.8K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards