📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Are credit checks recorded in real time

13»

Comments

  • Moggles_2
    Moggles_2 Posts: 6,097 Forumite
    zimsabre wrote: »
    I got accepted for 2 cc's. 5 days later I did a credid score check (full check) nothing about the cc's on the check. All 3 company's used.

    To see your credit checks, it's your credit file, not your credit score, that you need to look at.

    Credit checks appear on your credit file more or less in realtime ;)
    People who don't know their rights, don't actually have those rights.
  • jonnyb
    jonnyb Posts: 601
    Part of the Furniture 500 Posts Combo Breaker
    Forumite
    dellwear wrote: »
    I've recently had a couple of defaults on my file fall off...... are they really off or can they still be see by companies (or Experian) when they search me?

    if they have disappeared, then nobody can see them.
    we hold data for 6 years generally; in the case of default info it should be 6 years from the last activity on that defualted account.
    Karma is a wonderful thing. ;)
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 355.8K Banking & Borrowing
  • 254.9K Reduce Debt & Boost Income
  • 456.2K Spending & Discounts
  • 248.4K Work, Benefits & Business
  • 606K Mortgages, Homes & Bills
  • 179K Life & Family
  • 263.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.