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Credit report showing multiple searches - no idea what they arw


junebug
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Hello,

 

I'm taking the bull by the horns and trying to sort my finances,so today I got my credit report from Noddle.

 

It's showing multiple searches on the same day by various insurance companies. We're talking 7 searches in one day for a number of months on the trot.

 

I only have car insurance, and that's only renewed once per year so I'm a little baffled by these searches that have appeared.

 

Anyone know what's going on and how I can stop these searches?

 

Many thanks!

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Have you used one of the online comparing facilities ?

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I get loads of searches by insurance companies on my credit report, Usually close to renewal, Though some at other times

 

They are soft searches, so other creditors don't see them, and they don't effect your score

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Still very annoying if they have no permission to search the files, Colin ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I searched one of the compare sites at the beginning of Decembe to renew, but these are right through the year. And there are 2 or 3 searches by the same company on the same day sometimes.

 

If it's something that other searchers can't see, that's no problem, but still a bit annoying that I'm getting a dozen extra pages come off my printer because of it!!! :lol:

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Those searches are just for quotes and arent seen by other lenders. Just you.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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If you have searches by companies like Lexisnexis then that will also be down to comparison site bulk data handling. These co's do searches for other companies by buying copies of entire databases so they dont have to keep going back to the original CRA.

I have noticed that they arent as careful who their customers are as they should be though.

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