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How often do you check your credit report?
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Tori_Bellatrix wrote: »No I don't think so ... It's an unregistered search which doesn't show to lenders ..
With Equifax and Experian it is unregistered - but beware with Callcredit , I found when I was subscribed - that everyime I checked it counted as a search! If anyone can tell me this is wrong , fine . Otherwise be careful.
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I also use Call Credit and it is mingled in with the Credit Check data, the unrecorded enquiry in Call Credit is known as a limited subject access request.londonuk2008 wrote: »With Equifax and Experian it is unregistered - but beware with Callcredit , I found when I was subscribed - that everyime I checked it counted as a search! If anyone can tell me this is wrong , fine . Otherwise be careful.
:mad:Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.0 -
When I first joined Callcredit my score was I think , 800 ish and then over 3 months dropped to I think 500 .I had no bad data etc , and when I queried I was told it was down to the searches? Was I fed a load of bull?0
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depends what searches it was london, if you made lots of credit applications in a short space of time, these searches would definatley affect your score badlyOfficial DFW Nerd Club - Member no. 784 - Proud to be dealing with my debts0
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Subject access request's aka Unrecorded enquiries DO NOT appear to other viewers of your credit report, this applies to all CRA's including Call Credit.Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.0
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Twice a year for me with the free Cap1 Equifax service.0
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Currently, I look at my Equifax file twice a year using the free Capital One service. I check Experion twice yearly as well.People who don't know their rights, don't actually have those rights.0
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