Loads of soft searches but I haven't looked for anything!

mr_ottermole

Hello. Hopefully someone can advise if I need to be worry.  My credit report is covered with loads and loads of soft searches from insurance companies such as lexis Nexis and ones I haven't even heard of!!  Is this normal or is someone trying to steal my identity?  I'm really worried as I have no idea why these searches should be appearing when I'm not even looking for insurance!  Thanks!

ThisnotThat

mr_ottermole said:

Hello. Hopefully someone can advise if I need to be worry.  My credit report is covered with loads and loads of soft searches from insurance companies such as lexis Nexis and ones I haven't even heard of!!  Is this normal or is someone trying to steal my identity?  I'm really worried as I have no idea why these searches should be appearing when I'm not even looking for insurance!  Thanks!

Are you due for renewal any time soon?

mr_ottermole

ThisnotThat said:

mr_ottermole said:

Hello. Hopefully someone can advise if I need to be worry.  My credit report is covered with loads and loads of soft searches from insurance companies such as lexis Nexis and ones I haven't even heard of!!  Is this normal or is someone trying to steal my identity?  I'm really worried as I have no idea why these searches should be appearing when I'm not even looking for insurance!  Thanks!

Are you due for renewal any time soon?

No car due November house February.  Same company Carried out 2 searches in same day for example.  Also same companies also showing up like lexis Nexis who haven't bothered to reply to my SAR request yet.  I'm really frightened now as there are 8+ searches every month and I think people are trying to get things on my name.  I once got a letter through from the AA for insurance on a Mercedes SLK when I have a Skoda!

How do I stop all of these searches??

Thanks

Alex9384

Don't worry. I have like 150 soft searches on one of my files. Many are from companies I didn't ask for anything. It's most likely from comparison websites, including ClearScore, Kredit Karma, etc., where you check your credit reports.

MovingForwards

Have you ever moved / changed car partway through the policy and done another comparison site search? 

mr_ottermole

MovingForwards said:

Have you ever moved / changed car partway through the policy and done another comparison site search? 

No I tend to pay in full and I have never moved companies mid policy.  Thanks

mr_ottermole

Alex9384 said:

Don't worry. I have like 150 soft searches on one of my files. Many are from companies I didn't ask for anything. It's most likely from comparison websites, including ClearScore, Kredit Karma, etc., where you check your credit reports.

Thanks does this apply even if you haven't used a comparison site since January?

ThisnotThat

mr_ottermole said:

Alex9384 said:

Don't worry. I have like 150 soft searches on one of my files. Many are from companies I didn't ask for anything. It's most likely from comparison websites, including ClearScore, Kredit Karma, etc., where you check your credit reports.

Thanks does this apply even if you haven't used a comparison site since January?

The T&C's of these comparison sites say that they have the right to check you again around renewal time.  If you searched for insurance at some point with a policy date of now(ish) that may be why.

[Deleted User]

Lexisnexis risk solutions is nearly always an insurer.  You will find that they dont list which insurer it was doing the search and it just says"lexisnexis risk solutions." 
I found the only way to identify which insurer was to do a DSAR to lexisnexis. At first they returned al list of the same - just  a list of generic searches, replied with the following line

"I understand from your response that third party insurers were responsible for these searches. Please identify to me who the data processor was for each of these search instances and identify any third party that the data was shared with for each of these instances. The DSAR response is not complete until this data is received"

[Deleted User]

Regardless of whether that fits the rules of DSAR or not, soft searches from insurers have no impact on anything and are not seen by lenders, so just ignore them

[Deleted User]

Deleted_User said:

Regardless of whether that fits the rules of DSAR or not, soft searches from insurers have no impact on anything and are not seen by lenders, so just ignore them

A soft search may have no impact on credit report, but it could be done for nefarious reasons and it is prudent, especially if they are unexpected, to identify why.