MSE credit search on my file

edited 30 November -1 at 1:00AM in Credit File & Ratings
6 replies 1K views
porlzutternporlzuttern Forumite
1 Post
edited 30 November -1 at 1:00AM in Credit File & Ratings
Today, I receive a notification from Equifax stating.....
MONEYSAVINGEXPERT & CAPITAL ONE , a Credit Card company, has made an inquiry against your credit report on 26/11/2019 . If you were not aware of or did not consent to this search, contact MONEYSAVINGEXPERT & CAPITAL ONE or Equifax for clarification.
I've never subscribed before to MSE and haven't had a CO card/loan etc..Why would this happen.. any ideas?
Paul

Replies

  • Have you applied for a capital one card or used a card eligibility checker on mse or elsewhere?

    Have you used credit club to check your credit file?
  • Ben8282Ben8282
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    Today, I receive a notification from Equifax stating.....
    MONEYSAVINGEXPERT & CAPITAL ONE , a Credit Card company, has made an inquiry against your credit report on 26/11/2019 . If you were not aware of or did not consent to this search, contact MONEYSAVINGEXPERT & CAPITAL ONE or Equifax for clarification.
    I've never subscribed before to MSE and haven't had a CO card/loan etc..Why would this happen.. any ideas?
    Paul
    I thought MSE credit club used Experian?
  • Dancer11Dancer11 Forumite
    51 Posts
    10 Posts
    I’d like to know the answer too as I’ve had the same search done, although I do use MSE credit club to check my Experian credit report.
    Unsure why the search has appeared on my Equifax report though, and I definitely haven’t applied for a Capital One card either...
  • boo_starboo_star Forumite
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    Dancer11 wrote: »
    I’d like to know the answer too as I’ve had the same search done, although I do use MSE credit club to check my Experian credit report.
    Unsure why the search has appeared on my Equifax report though, and I definitely haven’t applied for a Capital One card either...

    They may show your Experian report for free but I don't think that precludes them from soft searching the other two CRAs if you're checking your eligibility.
  • Dancer11Dancer11 Forumite
    51 Posts
    10 Posts
    I haven’t checked my eligibility for a credit card though? I use MSE credit club just to check my credit report, nothing else.
  • PRAISETHESUNPRAISETHESUN Forumite
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    Dancer11 wrote: »
    I haven’t checked my eligibility for a credit card though? I use MSE credit club just to check my credit report, nothing else.

    Fairly sure they do a soft search anyway, even if you don't check your loan/CC eligibility regularly
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