Debt collection search

cmbrookes

Just logged into my equifax account and it says I've had a debt collection search at my current address in the last 24 months. 
I've never been in any debt or had any CCJ's. I live with my partner and moved in 7 months ago. I'm on the electoral register at the address also. 
My partner does have CCJ against her name but why does this affect my credit report? It's nothing to do with me surley this can't be right.

[Deleted User]

It surely can be right.  It could be debt collectors looking for a debtor with a similar name as yourself. 

If you have no outstanding defaulted debt, there's nothing to worry about.

Your partner's CCJ only affects you if you're financially associated.

cmbrookes

OK well I had to ask because my credit score has gone down since last month and I've not got any more credit and continued to pay everything I owe which is only a loan.

What could include being financially associated?

[Deleted User]

That's fine. Your credit score has no more to do with your credit than your horoscope does. 

Being financially associated means having joint financial products.

cmbrookes

The only thing that we have which is joint is Universal Credit which is paid into my account.

So what's the point in the score being there then? 

sourcrates

Say a DCA is looking for a Mr Smith in Leeds, they will run searches on all Mr Smiths in the area, in order to try and trace the one they are after, that`s how tracing works, it has no detrimental effect whatsoever for you.

Your credit score changes with the wind, its not an indication of your credit worthiness, please read the stick thread at the top of this forum "what your credit score really means" for clarification.

cmbrookes

sourcrates said:

Say a DCA is looking for a Mr Smith in Leeds, they will run searches on all Mr Smiths in the area, in order to try and trace the one they are after, that`s how tracing works, it has no detrimental effect whatsoever for you.

Your credit score changes with the wind, its not an indication of your credit worthiness, please read the stick thread at the top of this forum "what your credit score really means" for clarification.

Thanks for explaining that. It's quite annoying how, even though it has no effect on my credit report, its there anyway with a yellow warning sign and exclamation mark saying it might effect lending decisions. Why bother even telling the person a search has been done if its nothing to worry about? 

[Deleted User]

cmbrookes said:

So what's the point in the score being there then? 

People like numbers, as they move both up and down, so it keeps them coming back to check their reports, driving website traffic and cross sell opportunities.

cmbrookes

Deleted_User said:

cmbrookes said:

So what's the point in the score being there then? 

People like numbers, as they move both up and down, so it keeps them coming back to check their reports, driving website traffic and cross sell opportunities.

So would that be classed as being associated financially if our UC goes into my account?

[Deleted User]

No.              

adamp87

You can ask to get it removed if it’s a hard search I believe. If there’s no debt related to you then they have no right to search your file or leave an imprint.

If it’s a soft search then it doesn’t matter