New search on credit file

[shywazz]

Company does search 6 years after last dealings with them.

 

Over six years ago

, I was in pdl circle,

repaid 80% of all loans

, and ALL remaining defaults (5 defaults in total) dropped off in 2016,

only have one default left on credit file which drops off July 2017

 

Just received my up dated credit report and one company has done a search on my file,

highlighted as an ADMINISTRATION REVIEW for purpose of doing the search on 14/12/2016

although have had NO dealings with any credit company since 2009 when all my troubles began.

 

Have contacted NOODLE

who just say search is not seen by third parties,

which in fairness is fine,

 

but question I ask is

can a company do a search after 6 years of last dealings with them.

 

My credit file has vastly improved since 2015/16 with many defaults disappearing,

my credit score/file was dire until last year,

now on road to be debt free,

and now this search appears.

 

I gave no permission for this search as have no dealings with company who did search.

[Bazooka Boo]

The search isn't seen by anyone other than you and the outfit searching your file.

 

You don't need to give them your permission, it isn't your credit file, it's theirs to do with what they wish and to make money out of.

[shywazz]

. The company that did search is instant cash loans ltd.

 

.. As behaved myself since 2009 learnt by my mistakes.

 

Noodle still stating that search was for marketing proposes and wont show to third parties.

[shywazz]

Thanks Bazooba Boo I get what you are saying..... It does clearly state on Noodle and Experian the following statement.........

 

Can anyone search my report?

No, you have to give permission for a search to be made on your credit report. This will normally be done as part of the application process for the credit account.

[dx100uk]

They have to hold a consumer credit licence

[ericsbrother]

the permissions bit is when a footprint is left that others can see.

This is waht is called a soft search.

many insurance companies do this sort of thing when they are offering a renewal quote to you at some point in the future.

 

You will find that some third parties have an arrangement with the CRA to access their datasbase on behalf of others.

 

If you suddenly find yourself the target of marketing by this outfit or anyone else connected with them then you will have grounds to complain to the ICO if they dont stop it when you tell them to.

[shywazz]

Letter from Noddle stating that search is only seen by myself and not third party, it does not damage credit score or anything, search was done by company doing a admin review, nothing more. least that sorts my worry out. Thread to be closed please.

[dx100uk]

so as we advised

we don't close threads

 

 

dx