Covid 19 Status

In line with HM Government requirements to fight the spread of Covid-19 we have measures in place to ensure that we protect our staff, their families and the wider community, but also to ensure that there is minimal disruption to our customers.

Your access to online Multi Agency Credit Reports, Expert Help and Account Management remains unaffected. We take great pride in the support that we provide to our customers and throughout this period will do all we can to minimise the impact on our services. While the country remains in lockdown we will continue to support your queries via a dedicated and experienced team that will be securely working from home, and supported by a Management Team that will continue to be based at our head office and who will be able to provide customer support as required.

The security measures that we have in place to protect your Personal Data, in line with our Privacy Policy, will mean that some elements of our personalised support are affected during this period as our support team will be working with anonymised data when working remotely. Freephone access to our Credit Analysts has been removed during this period while we focus our efforts on continuing to reply to all of your emails and secure messages within one working day.

Thanks for your understanding, and we hope to have full customer support available as soon as possible and wish you well during these challenging times.

Search Footprint

What is a Search Footprint?

A Search Footprint is a record is left by a Credit Reference Agency every time your Credit Report is searched, either by yourself or by others. Search footprints include Enquiries, which are usually related to a casual quotation enquiry and Application Searches, usually reserved for full-blown credit applications.

A record of an Enquiry will be left on your file every time you view your Credit Report, but this does not affect your Credit Score. Lenders are not able to see Enquiry Footprints, and as such they will not effect your ability to take out credit.

Searches carried out by Debt Collectors can be seen by lenders and they may decline to offer credit based on the presence of that information alone because it implies you’ve had severe issues making payments in the past.

An application search is recorded when you apply for a credit commitment and the lender searches one or more of the three Credit Reference Agencies to view the information held on you. Application searches are seen by lenders, so that they can make an assessment of how ‘credit active’ you are.

There are lots of myths about the problems caused by having several credit application searches recorded on your credit file. Certainly, many searches within an hour or two can indicate a possible fraud, and dozens in a month can indicate financial desperation, but up to 12 searches on file in a year is perfectly normal and is expected.

The outcome of your applications are never recorded on your Credit Report, so you will never be declined on the basis that you have been rejected by other lenders.

Only Application Searches can have the ability to affect your Credit Score, and only if recorded in excess.

Q: Is a search footprint on my credit file bad?

A: No, it is merely a record that shows someone has searched your credit history. They will remain on your file for 12 months. Having a suspiciously high number of ‘hard’ searches on your credit file could potentially trigger a fraud warning on your file however.

Q: Can a search footprint be a good thing for my credit file?

A: They can be. Having no search footprints whatsoever can be seen as a lack of credit activity on your account, which some lenders might take as a sign of lack of overall history. A couple of searches here and there are considered healthy as part of a regular financial background.

Q: Can I see search footprints on my Credit Report?

A: You can see all searches made by yourself and others on your Credit Report within the last 12 months when you log into your checkmyfile Credit Report. If you haven’t already, you can try checkmyfile FREE for 30 days, then for just £14.99 a month afterwards, which you can cancel online at any time.

Jargon Buster

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