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Credit file hiccup
Princess_Jane
Posts: 896 Forumite
I've just checked my credit file and it's pretty much spot on apart from a rash of applications made in October just gone.
Basically I moved into a new house with my partner and got credit checked when changing gas/leccy suppliers.
Then we had an emergency house situation so I made some credit applications or a 0 per cent purchase card - stupidly continuing to do so when I was turned down.
I made three applications in total and was accepted for one.
How long do these checks remain on your file for?
I currently have a zero per cent purchases card and a zero per cent balance card, where the rate is about to end, so hoped to make more card applications from April.
STOOPID PRINCESS
Basically I moved into a new house with my partner and got credit checked when changing gas/leccy suppliers.
Then we had an emergency house situation so I made some credit applications or a 0 per cent purchase card - stupidly continuing to do so when I was turned down.
I made three applications in total and was accepted for one.
How long do these checks remain on your file for?
I currently have a zero per cent purchases card and a zero per cent balance card, where the rate is about to end, so hoped to make more card applications from April.
STOOPID PRINCESS
DEBT FREE! Sep '08/£9,800 in Oct '06 :beer:
0
Comments
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As far as I know, searches drop off your file after six months.
Hopefully someone will confirm that soon...I'm an adult and I can eat whatever I want whenever I want and I wish someone would take this power from me.
-Mike Primavera.0 -
Experian searches stay for 12 mths, Equifax 24 months. Call Credit I don't know.0
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CallCredit is 2 years as well.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
thanks.
I've just been accepted for an MBNA Platinum, 0 per cent until Feb 09.
So no more apps for nearly a year.DEBT FREE! Sep '08/£9,800 in Oct '06 :beer:0
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