Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

    • Autistic-James
    • By Autistic-James 13th Apr 18, 9:32 AM
    • 1Posts
    • 0Thanks
    Capital One Deplorable double hard search
    • #1
    • 13th Apr 18, 9:32 AM
    Capital One Deplorable double hard search 13th Apr 18 at 9:32 AM
    Just thought I should warn ALL users that on 17 September 2017 I initiated a application for a Luma credit card to help with my low fair credit score. The deplorable company undertook a ‘hard credit search’ on the 17th and 18th the application was declined and my credit score decreased! Recently I decided to access ALL three credit reference agencies (Equifax, Call Credit (Noodle) & Experian) the scores were / are (Equifax 378, Experian 999 & Noodle 605). I discovered that Clydesdale Finance (Barclays) decided to list ‘everyones’ closed accounts in February 2018 which affected my Equifax score (check yours as well) I wrote to Barclays and they removed all three items entries and my Equifax score increased to 462 (just under the line of excellent)

    Back to Capital One only on Noodle showed both hard searches and when I initially contacted Capital One they denied they did 2 searches only on the second call I gave them the two search references and then they agreed to remove the second search!

    So the learning lessons

    1) Check Noodle to make sure only one search is performed
    2) Check ALL 3 credit reference agencies
    3) If you have had a previous Clydesdale Finance / Barclays Loan Account then check Equifax / ClearScore so you can get them removed

    Hope this helps

Page 1
    • Nasqueron
    • By Nasqueron 13th Apr 18, 9:38 AM
    • 6,793 Posts
    • 4,232 Thanks
    • #2
    • 13th Apr 18, 9:38 AM
    • #2
    • 13th Apr 18, 9:38 AM
    Scores are made up, they are irrelevant. Nobody but you sees them.

    Have a cup of tea and biscuit and chill.
    • Gary_Dexter
    • By Gary_Dexter 13th Apr 18, 9:59 AM
    • 3,486 Posts
    • 2,075 Thanks
    • #3
    • 13th Apr 18, 9:59 AM
    • #3
    • 13th Apr 18, 9:59 AM
    Actually the lessons learnt here are:

    Hard searches are carried out for credit applications.

    Admin mistakes happen.

    And finally, ignore the made up scores that no one sees who cares about or judges your credit-worthiness on.
    • Lungboy
    • By Lungboy 13th Apr 18, 11:17 AM
    • 1,657 Posts
    • 1,709 Thanks
    • #4
    • 13th Apr 18, 11:17 AM
    • #4
    • 13th Apr 18, 11:17 AM
    No, they go by your credit history. The score is a made up number designed to sell people products.
    • robber2
    • By robber2 13th Apr 18, 11:19 AM
    • 389 Posts
    • 331 Thanks
    • #5
    • 13th Apr 18, 11:19 AM
    • #5
    • 13th Apr 18, 11:19 AM
    It’s a !!!!ing fact that hard searches impact your score so you both arseholes with your pathetic opinion as they do go by the score idiots
    Originally posted by Autistic-James
    I do hope you are paying the Credit Agencies to see your 'score'. Its the least you deserve.

Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,127Posts Today

7,402Users online

Martin's Twitter