Are soft/eligibility checks linked if made close together?

NewUser1972
NewUser1972 Posts: 40 Forumite
Part of the Furniture 10 Posts Name Dropper Combo Breaker
edited 4 July 2023 at 6:53PM in Credit file & ratings
I have a default (my only one) dropping off my credit file on or around 7th July (I know it can take up to another 28 days but it usually doesn't) . I have done a few eligibility tests with credit card companies over the last week or so (a mix of likely accept and decline). I am wondering if, by next week my default is lifted and I re do the eligibility checks whether being relatively close together will mean they will simply revert to the last check data they did or do they pull a new soft check? I could do another now and see if the check shows up but I have in the past with some had a message to say that I have already exceeded the number of checks in a month blah blah so I don't really want to risk that.  Anyone have any ideas? Thanks

Comments

  • MorningcoffeeIV
    MorningcoffeeIV Posts: 1,945 Forumite
    1,000 Posts First Anniversary Name Dropper
    Soft searches aren't seen so fill your boots.

    If you're doing an eligibility check with the same provider in short succession, they may not bother doing another search.
  • NewUser1972
    NewUser1972 Posts: 40 Forumite
    Part of the Furniture 10 Posts Name Dropper Combo Breaker
    In support of an answer to my own question.. I took the time to read Amex's T's and C's for their eligibility checker today and they state that if a second eligibility check is made in a 30 day (or a month, I can't remember exactly) period they will use the information they pulled previously and not run another soft check.  I guess there's a chance others do the same
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