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credit file

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credit file

Post by jss64 on Tue Feb 07, 2017 10:24 am

Hi Everyone
Just got a copy of my credit file from Equifax.
There was some thing on there I don't understand . There are 2 dates last year with Search Reason: Consumer Letter Client Name: CONSUMER LETTERS ENQUIRY.

Tried looking but couldn't find any info. Appreciate any insights.

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Re: credit file

Post by assassin on Thu Feb 09, 2017 7:11 pm

Credit checks for various companies, maybe you enquired about something and the company did a credit check, they often do them without you knowing and mortgages are the main ones for these, often you can search several mortgage companies and they all do a credit check and if you get too many done in a specific timeframe your credit rating gets hammered.

They often go on the address so are you renting? if so then one of the owners applied for something and it came back to their address which they have a mortgage on; maybe you looked at a different bank or simply looked at a credit or store card and they did one without your knowledge.
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Re: credit file

Post by Lopsum on Sun Feb 19, 2017 10:38 pm

moving this to the debt forum! Cool
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