what is the difference between the two???

darcyvuqua

so my question is what is the difference between

1. a recorded search
2. a un-recorded search

apart from the fact a lender cant see that a unrecorded seach has been made what info can they see on a unrecorded search that is different to a recorded search on your credit file

can anyone explain?

Bosie

What is an unrecorded enquiry?

An unrecorded enquiry is a search that was not made for lending purposes. It is not seen by lenders but is included on your credit report so you are aware the search was made. 632

Hiya Darcy - found this doing a search on Google.
Bo x

methusala_2

short answer is none. An unrecorded search as Bosie said is not made for lending purposes so is of no interest to potential lenders. eg. if you ask for a credit report for your own use then its unrecorded. You see it cos its a search on your credit file but potential lenders dont need to know

darcyvuqua

but it was made by a lender?!?

Clariman

darcyvuqua wrote: »

but it was made by a lender?!?

Other lenders still won't see it. They probably just did a routine identity check or a check to see if your credit file still had you at the same address. Nothing to worry about.

Clariman

darcyvuqua

it was made by capital one after i had appealed there rejection just after i had my outstanding debts paid (ccj & default) would they then be able to see them as satisfied and would they actually overturn there decision?

YorkshireBoy

They've possibly had a few complaints about secondary credit searches (following appeals), and been asked to remove them. By making an unrecorded enquiry, which returns the same results, there's no need to (possibly pay to) have it removed from your file.

BTW, I can't believe you've thanked our (very sad) spammer friend for essentially (because they've said nothing new) plugging their website in their signature.

darcyvuqua

oh yes yb i did not really notice i cant unthank now tho ay

yb do you know if they do in fact overturn there original decisions??
i appealed after my ccj and default was marked satisfied and when i was refused they were still marked outstanding do you think i will get a big fat no back after my appeal?

YorkshireBoy

darcyvuqua wrote: »

yb do you know if they do in fact overturn there original decisions??

Yes, I've seen reports of successful appeals. However, those people were stoozers and didn't have CCJ's on their files, whether satisfied or not.

darcyvuqua

oh right so no chance for me then