I’ve seen online it’s 12 months but when I check my file I still have searches from 2019 and additionally one of them has my name spelt wrong (a letter missing, but I’m guessing it’s no major deal as it’s a soft search?)
Name spelt wrong wouldn’t matter unless it’s credit you applied for I’m assuming.
I’ve had similar where a gambling company did a soft search but my surname name was wrong but the account was still verified.
Only you see soft searches. That’s the whole point of soft searches. What’s the big deal?
I thought the same. It doesn’t effect your ability to get credit in any way as most of the time it’s used to check identity or affordability checks
It’s generally 2 years that they go back, but as it’s a soft search no one else can see them anyways
The ones on mine are older than 2 years
The deal is my name is spelt wrong and i have too many soft searches
A wrong name can effect you
Did they spell it Becki instead of Becky?
Sasa Clarke they spelt it as instead of Sasha Clark
Umm, how can you have too many soft searches?
Nobody can see soft search’s so you can do a million and it has no impact to your credit report.
If you’re concerned the soft search used the wrong name and this then resulted in a declined/ineligible credit application, just reapply with the correct details.
Though, I’d be quite surprised one letter in your name caused the ineligible application, I strangely see it all the time at work with our cards
Like I said… Generally, that’s not a definite. Soft searches don’t count for anything negative, so don’t worry about it. It’s small fry.
I agree it doesn’t mean much these days and don’t effect your ability to get credit. If one is spelt wrong it wouldn’t effect you at all unless it’s a hard search or you’ve opened a bank in another name.
You was correct with 2 years. It’s an average of 3months-3 years depending on the type. -Identity (also known as age) checks are 3-6months until they vanish.
-Anti-Money Laundering are usually 3 years
-Affordability checks are 12 months.
-Gambling affordability checks are 24 months.
-The rest are 12 months.