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Massive Hit On Credit Score By Hard Searches
Exemplar
Posts: 1,607 Forumite
So my score was hit by -70 points last month as I had a hard search against my record by BT and Talk Talk, yet this month (after a BT install) it only goes up by 15. Bit annoyed but hey ho.
'Just because its on the internet don't believe it 100%'. Abraham Lincoln.
I have opinions, you have opinions. All of our opinions are valid whether they are based on fact or feeling. Respect other peoples opinions, stop forcing your opinions on other people and the world will be a happier place.
I have opinions, you have opinions. All of our opinions are valid whether they are based on fact or feeling. Respect other peoples opinions, stop forcing your opinions on other people and the world will be a happier place.
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That's ok. If you multiply them together, you get a really high number.Exemplar said:So my score was hit by -70 points last month as I had a hard search against my record by BT and Talk Talk, yet this month (after a BT install) it only goes up by 15. Bit annoyed but hey ho.2 -
At least you will only be annoyed with yourself, as only you can see it.I would advise you to read the sticky thread at the top of this forum "what your credit score really means".Thanks.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter1
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Ummm: -70 * 15 = -1050 so a really low number rather than a high one ;-)Deleted_User said:
That's ok. If you multiply them together, you get a really high number.Exemplar said:So my score was hit by -70 points last month as I had a hard search against my record by BT and Talk Talk, yet this month (after a BT install) it only goes up by 15. Bit annoyed but hey ho.
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The impact of the hard searches will be minimal, particularly if you don't intend to make any other credit applications over the next few months. As above, ignore the score - the number is meaningless - and focus on your credit history (ie. the actual contents of your credit files).1
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No - can you not tell by the hey-ho part, it was just an observation.DCFC79 said:
Are you concerned by that ?Exemplar said:So my score was hit by -70 points last month as I had a hard search against my record by BT and Talk Talk, yet this month (after a BT install) it only goes up by 15. Bit annoyed but hey ho.'Just because its on the internet don't believe it 100%'. Abraham Lincoln.
I have opinions, you have opinions. All of our opinions are valid whether they are based on fact or feeling. Respect other peoples opinions, stop forcing your opinions on other people and the world will be a happier place.0 -
Praise The Sun to you too... (we both get it)..The woods are lovely, dark and deep.PRAISETHESUN said:The impact of the hard searches will be minimal, particularly if you don't intend to make any other credit applications over the next few months. As above, ignore the score - the number is meaningless - and focus on your credit history (ie. the actual contents of your credit files).'Just because its on the internet don't believe it 100%'. Abraham Lincoln.
I have opinions, you have opinions. All of our opinions are valid whether they are based on fact or feeling. Respect other peoples opinions, stop forcing your opinions on other people and the world will be a happier place.1
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