- What are searches?
- Common quotation (soft) searches found on your report
- Common credit application searches (hard) found on your report
- How long do searches stay on my report?
- What to do if you still don’t recognise a search?
What are searches?
There are two different types of search – 'quotation' or 'personal' searches and 'credit application' searches.
Quotation or personal search (soft search)
Is used in background checks or when you check your own report. A quotation search will also be generated when you go on the 'Offers' page in order to display personalised offers for you. These may appear in your ClearScore account under the name of the providers who conducted the search, but will only be visible to you. Quotation searches do not have any impact on your credit score.
Credit application search (hard search)
This occurs when a lending company checks your report before making a decision on whether to accept your application. If you have a lot of credit application searches within a short time frame, this may have a negative impact on your credit score. This is because lenders may think you’re irresponsible with credit.
Common quotation (soft) searches found on your report
- HDD-PRICE COMPARISON-BARCLAYCARD for Credit File Request
- CAPITAL ONE (EUROPE) PLC for Credit Quotation
- CLEARSCORE SEARCH POWERED BY CAPITAL ONE for Credit Quotation
- OAKBROOK FINANCE LTD for Credit Quotation
- CARFINANCE247 LTD for Credit Quotation
- AVANTCREDIT for Id Check To Comply With ML Regs
Common credit application searches (hard) found on your report
- Applying for a loan, credit card, or mortgage
- Applying to a utility company (e.g. electricity, gas, water, cable and telephone)
- Applying for a monthly mobile phone contract
- If you use a price comparison site - their terms and conditions may state that a search may be carried out by themselves or their partner organisations.
How long do searches stay on my report?
What to do if you don’t recognise a search?
Some banks/lenders share their information with credit reference agencies using a different trading name, so a quick internet search could help you recognise the search.
They’ll be able to provide you with further information on why this search is showing on your credit report.
3. Regularly check your report.
To ensure that any credit applications that appear in your report have been done by you, and not potential signs of fraud, you can check out your credit report by signing in to your ClearScore .