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Creditkarma
I’ve just been looking at my account with Credit Karma and a couple of things have shown up I don’t understand. OK I know these are only soft searches but I don’t know why they are on my report.
The first is: LexisNexis (IIL) Insurance services and the second is: Raisin Platforms LTD (CVAL) I.D check for credit.
I have not applied for any form of insurance or credit recently and although I have savings accounts with Raisin, I know nothing about asking for any credit.
What do you think these are about please.
The windows are small and the walls almost bare,
There's only one bed and there's only one prayer;
I listen all night for your step on the stair.
Comments
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If they are soft searches they have no issue, could be simply looking to see if they want to offer you a service for example
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
2 -
As above, soft searches are nothing to be concerned about (they're not visible to any lender). It very common to see soft searches appear if you've ever held a financial product with a company, or if you've ever used an aggregator site (Compare the Market and such-like) to get insurance quotes in the past. Companies will run a quick check before sending you marketing literature to offer you their products if you fit their current marketing campaign target base.1
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