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Thread: Just done a credit check,

  1. #1
    Regular Member mspvxr's Avatar
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    Eek Just done a credit check,

    Right just done a credit check and i have quite a fair record BUT i have noticed it says i have 40 credit searches in the last 12 months, how i asked well il tell you, insurance quotes, theres virtual every car insurance company on there which for some reason has come up as a credit check, if that is affecting my credit then im seriously going to be ****ed off.

    I didnt think an insurance quote would show as a credit search.

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    Regular Member m8internet's Avatar
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    No, it won't make any difference (no difference to score)
    What makes a difference are completed transactions and payments recorded
    So if you make 1000 quote enquries and complete 1 transaction, only that specific transaction affects the score

  3. #3
    Regular Member mspvxr's Avatar
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    But it says my high search is having a negative affect??

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    Quote Originally Posted by mikep View Post
    But it says my high search is having a negative affect??
    It does indeed have an effect - it makes it look like you're constantly searching for new lines of credit.

  5. #5
    Regular Member mspvxr's Avatar
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    exactly ,when im not its only a car quote?

    Well going to have to say bye bye to the thought of getting another car, never mind il just have to waste all my dosh running this piece of rubbish

  6. #6
    Regular Member m8internet's Avatar
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    I've never had any such issue
    I usually only carry out about 12 such quotes that appear on my credit record, ie those that you complete with personal details

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    Default doesnt matter

    I've noticed this ebfore and spoke to exprian about it. Theres 2 different form sof record on your file one is a proper credit check in terms of an application for credit.
    Checks for insurance etc where no application is made show as a footprint but wont lower your credit scroe.

    Thats what they told me anyway

  8. #8
    Regular Member mspvxr's Avatar
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    I dont get it then. Oh well il have to wait another six months or so, vectra will be old news by the time i get round to owning another one .

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    It does have an effect on your score. I put a post up about this last year. What I wanted to know was that even though I pay my insurance in full and have done so for the past 3 years they still do a credit check! Why?

  10. #10
    Regular Member bigdave1701's Avatar
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    A screen grab from the experian website:


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