Can a company search my credit file without propting if i have no debts, loans, cc,

[Crazy council]

Hi

i dont normaly bother with looking at my credit report, i have no debts/cards apart from my morgagee. a few years ago, i did make an enquiry about a loan with one company, Looking at my repost, i can see that io was searched by mulitipul companies, i suupose i understand that

i never took a loan at the time, i was just intersed in what rate/term i could get if needed and i have not made appy quires with anyone since.

What i have a serious problem with is, looking at my file again, 2 companies hasve searched me again, this year, without promting, saying it was for an ID check. ( hard search i presume )

Is this ok for a firm to do speculative searches, ?? and say there doing ID checks ?


its these

COMPANY PURPOSE DATE
Lexisnexis Risk Solutions Uk Limited Lexisnexis Risk Solutions Inc (Id Api)
Identification Check
15/03/2018
Input addressn ***************************my address
Search reference b BF3CA415-3313-46D1-90E4-1CA5D6950EB4
Name Mr **** Crazy Council ******
Date of birth 3/14/1592
Application type
Sole

Lexisnexis Risk Solutions Uk Limited Insurance Quote - Www.Lexisnexis.Com/Ukconsumer
General Insurance 15/03/2018
Input address ***************************my address
Search reference 73D4F0AC-6930-4E98-AAB6-EF291B50137D
Name **** Crazy Council ******
Date of birth 3/14/1592
Application type
Sole
Insurance Initiatives Limited (Iq)
Www.Iil.Co.Uk/Consumers
General Insurance
15/03/2018
Input address
***************************my address
Search reference
5293E296-1818-4C1A-B465-D3DBE0228780
Name
**** Crazy Council ******
Date of birth
Date of birth 3/14/1592
Application type
Sole

[R0b]

Difficult to say, an ID check could be carried out in relation to a product or service e.g. mobile phone contract or some other service type contract but the provider would have to obtain your consent before doing so.

Have you contacted LexisNexis and queried who instructed them to carry out and ID check? Alternatively you could initiate a subject access request and ask them to supply details of all third parties that they have passed on or have been processed on behalf of them.

[Amethyst]

Looks like its an insurance claim or renewal, or a new insurance you've obtained a quote on or taken out.

I had a Lexis one from a company which showed up as a Money Laundering check - which is nice ( it was an identity check for a work thing). Should just be a soft search though. Only credit applications should show as hard searches - you looking at your file on Noddle or somewhere? it is usually made clear if it's a search that will show to others on your file or not.

[Amethyst]

Example on my MSE Credit Club ( free way of accessing your Experian credit file )

Only the top one ( Tesco ) is a hard search and will show to other prospective lenders etc ( I took out a credit card with them to help fix my credit file lol )

The rest ( there's about 25 showing on mine ) are where I've looked at comparison sites for car insurance etc or got my credit file ( so if you sign up to Noddle / Clearscore / MSE credit club / Experian etc they do a credit search, or if you look at their ''these loans/cards may suit you" sales crap pages .... but it's only visible to you )

creditclub.png

[Crazy council]

Hi

thansk for the responces.

I year before hand them searches ( 2017 ) , i did get an insurance qoute on my home, and there is a number of companies searched my file, then 12 months later, without prompting, those above searched it again.

I wandered if they were allowed to just keep a check on your credit file whenever they want ??. or if theres any restrictions on them doing it.

[Amethyst]

Renewal maybe?

I think ask Lexis - SAR them might be an idea if they won't just tell you.

[MIKE770]

lexis seem to show up after Insurance searches many a time over the years, probably Insurance watchdog regarding false claims etc etc checking out each application???

[Crazy council]

I have been with the same insuracne co for about 15 years, i asked for quotes 2 years ago, so can understand them searching me then, but not a year later, i had a claim against my insurance in 2007/8 but thats it.

This is my thinking, when was looking for quotes, a few of the companies that called me was asking me if i wanted a loan, i said no, thats the only time in over 11 years that i have made any kind oif finacial quiry. I wander if there looking if i gained any credit or anything changed, maybe that might make me be more likly to take a loan., my credit score is very low, but for a good reason, I dont have and never have had any finace debts that i have defaulted on. i make the few payments i need to by standing order, apert from my insurances,

The insurance quirys i made would show am the homeowner becuase they were building and contence ( i stayed with my current in the end ), am wandering if that company have tagged me as maybe viable in the future.

Can they see the outstanding morgagee ammount when they do these checks?? ( mine goes down by about 5k pa, and i have just over 10k left to pay )

The reason my credit score is low, is down to the curcs around my morgagee years ago, when i took it out in 2003, i got a good rate tide to libor+, i took a 20 year morgage, but set in a payments plan to pay in in 15 ( agreed overpayment ). All was going fine untill my council attacked, me and i was fighting over my house ( 2009-12 ),
I won that part, got my home back, but had only been paying the interest while i was fighting ( with agreement ). Anyhow, i paid up a few chunks when i had it, then paid my monthlys normaly, My morgage company have offered me a numner of options but all of them increase my interest rate due to how low it is at the mo and my outstanding is under 20k . With what am paying i will have the arrears paid, 2 months before my last morgage payment ( 20ish months from now )

So my credit file show my morgagee in more than 2 months of arrears, going back years ( 2013 )