Skip to main content

Searches on your credit file

Yes, we keep a record of every search made on your statutory credit report in the last 24 months. These are shown in the Search History section of your credit report. Searches you request on your own file are not classed as credit searches and are not seen by lenders.

No. We only allow access to your report in accordance with the General Data Protection Regulation and the industry rules which govern credit reference agencies. These put firm restrictions on who sees and what information we can provide from your credit report. For example, an organisation with which you’ve applied for credit may access your information, or on occasion, we may be required to provide information to the police or other government agencies.

Each time you apply for credit and a lender searches for your credit report, the credit reference agency will keep a record. TransUnion retains a record of all searches for two years. Experian and Equifax mostly retain records of searches for one year. This allows lenders to consider previous credit searches when you apply for credit. But remember, your report doesn’t show whether an application was successful.

In the first instance, you should contact the company who made the search to ask for further details. The search could be in the name of a company that’s the parent company or subsidiary of a company you may recognise. If the company agrees to remove a search, they’ll tell us and we’ll update your report.