Studio on line catalogue credit searches....

241 Posts

I opened a Studio account a while back, only to make purchases so no crazy interest will need paying.
I checked my file after and they had made two hard searches, I have never experienced this with any other accounts/lenders, has this happened to anyone else?
I have made a complaint....
I checked my file after and they had made two hard searches, I have never experienced this with any other accounts/lenders, has this happened to anyone else?
I have made a complaint....
After many years, I have found my way back, and I am here. I have learned so much along the way, and hope I can help others who are still on the road I have travelled.
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It would be obvious if you were paying attention that they were going to credit check you, so merely being credit checked is not going to get you anywhere if you complain about it.
I suspect they did not perform two hard credit checks but a credit check and some other ID check or whatever. There's not any reason for them to do a credit check twice. If they genuinely did, ask them to remove the second check.
I can assure you I knew I was applying for a credit account, and I also know the difference between hard and soft searches, I view them on a FULL Experian report, an up to date one. TWO hard searches were done.
Don't talk to me like I am an idiot please.
And while we are at it, I NEVER let interest build up, I pay monthly. Don't treat me like an idiot.
The catalogue is lending you money for 40 days or so at a time.
It doesn't matter that you don't pay interest during the interest free period. Interest free credit is still credit.
Just contact the business and ask them to remove one of the searches, but in all honesty, unless you are applying for credit weekly/monthly it doesn't matter.
Again thanks for your nice reply. Since this site changed the quality of people has gone way down, I miss it how it used to be.
My other complaint was also upheld and I had multiple refunds.
So great result.
Thanks for *helpful* comments.