Unauthorised hard search 9 December 2022 at 7:56PM in Credit file & ratings 7 replies 355 views

jamieearltek

Hello, 

Checking my credit report, I have a hard search by an old house insurance company. I had a policy with them and paid monthly. I cancelled with them and went to another provider however the same company after I have cancelled has conducted a hard search. 

I have made a complaint to the company about this, however they were useless told me they are sorry, they done the search the same day I cancelled and that I need to contact my bank to have the search removed… 

Is there anything I can do about this? 

Jamie 

DailyHail

You can… but why put yourself through the stress.

One hard search isn’t the end of the world.
to remind yourself how pointless your “score is”, read the sticky at the top of the board.

FindMyWayBack

Make a formal complaint to the company asking them to remove it.

adamp87

DailyHail said:

You can… but why put yourself through the stress.

One hard search isn’t the end of the world.
to remind yourself how pointless your “score is”, read the sticky at the top of the board.

I’m the grand scheme it’s not but it does affect your report in the eyes of a lender.

If OP was for example going for new lines of credit. 

Yes 1-2 isn’t a huge deal in 6 months say but some lenders will see that differently along with taking your whole history into the picture.

Doesn’t take too long to appeal the complaint.

I don’t see why they’d run a hard search on someone’s file when they are leaving to be honest. 

[Deleted User]

adamp87 said:

DailyHail said:

You can… but why put yourself through the stress.

One hard search isn’t the end of the world.
to remind yourself how pointless your “score is”, read the sticky at the top of the board.

I’m the grand scheme it’s not but it does affect your report in the eyes of a lender.

If OP was for example going for new lines of credit. 

Yes 1-2 isn’t a huge deal in 6 months say but some lenders will see that differently along with taking your whole history into the picture.

Doesn’t take too long to appeal the complaint.

I don’t see why they’d run a hard search on someone’s file when they are leaving to be honest. 

If there was an auto renewal on it, OP may just have been unlucky with the timing in that they were in the process of checking before they renewed because if they were paying monthly it is taking out a credit agreement

jamieearltek

Deleted_User said:

adamp87 said:

DailyHail said:

You can… but why put yourself through the stress.

One hard search isn’t the end of the world.
to remind yourself how pointless your “score is”, read the sticky at the top of the board.

I’m the grand scheme it’s not but it does affect your report in the eyes of a lender.

If OP was for example going for new lines of credit. 

Yes 1-2 isn’t a huge deal in 6 months say but some lenders will see that differently along with taking your whole history into the picture.

Doesn’t take too long to appeal the complaint.

I don’t see why they’d run a hard search on someone’s file when they are leaving to be honest. 

If there was an auto renewal on it, OP may just have been unlucky with the timing in that they were in the process of checking before they renewed because if they were paying monthly it is taking out a credit agreement

I raised a complaint, they basically said it was bad timing and nothing they can do. 

I asked them to remove the search and they told me that they can’t do such a thing and I need to contact my bank.. Ill be honest I have had a very poor experience with them, that’s what you get for going with the cheapest broker going… 

[Deleted User]

jamieearltek said:

Deleted_User said:

adamp87 said:

DailyHail said:

You can… but why put yourself through the stress.

One hard search isn’t the end of the world.
to remind yourself how pointless your “score is”, read the sticky at the top of the board.

I’m the grand scheme it’s not but it does affect your report in the eyes of a lender.

If OP was for example going for new lines of credit. 

Yes 1-2 isn’t a huge deal in 6 months say but some lenders will see that differently along with taking your whole history into the picture.

Doesn’t take too long to appeal the complaint.

I don’t see why they’d run a hard search on someone’s file when they are leaving to be honest. 

If there was an auto renewal on it, OP may just have been unlucky with the timing in that they were in the process of checking before they renewed because if they were paying monthly it is taking out a credit agreement

I raised a complaint, they basically said it was bad timing and nothing they can do. 

I asked them to remove the search and they told me that they can’t do such a thing and I need to contact my bank.. Ill be honest I have had a very poor experience with them, that’s what you get for going with the cheapest broker going… 

Banks can't remove the search, it's nothing to do with them. The broker has done the search and the CRA report what has happened. Only they can remove it, they're fobbing you off - you could try a formal complaint and escalate to the Ombudsman as needed

jamieearltek

Deleted_User said:

jamieearltek said:

Deleted_User said:

adamp87 said:

DailyHail said:

You can… but why put yourself through the stress.

One hard search isn’t the end of the world.
to remind yourself how pointless your “score is”, read the sticky at the top of the board.

I’m the grand scheme it’s not but it does affect your report in the eyes of a lender.

If OP was for example going for new lines of credit. 

Yes 1-2 isn’t a huge deal in 6 months say but some lenders will see that differently along with taking your whole history into the picture.

Doesn’t take too long to appeal the complaint.

I don’t see why they’d run a hard search on someone’s file when they are leaving to be honest. 

If there was an auto renewal on it, OP may just have been unlucky with the timing in that they were in the process of checking before they renewed because if they were paying monthly it is taking out a credit agreement

I raised a complaint, they basically said it was bad timing and nothing they can do. 

I asked them to remove the search and they told me that they can’t do such a thing and I need to contact my bank.. Ill be honest I have had a very poor experience with them, that’s what you get for going with the cheapest broker going… 

Banks can't remove the search, it's nothing to do with them. The broker has done the search and the CRA report what has happened. Only they can remove it, they're fobbing you off - you could try a formal complaint and escalate to the Ombudsman as needed

That is exactly what I thought, they were not having it. 

I will just have to somehow raise it higher, the company are totally inept.