QUESTIONS AND ANSWERS

Get your FREE Experian credit report and score!*

CreditExpert Logo

  • Free Experian credit report*
  • Free Experian Credit Score*
  • Free email and text alerts
  • Dedicated UK based call centre

Checking your Experian credit report will not lower your score!

If you are a Credit Expert customer you can contact the customer services team with any questions specific to your credit report.

Please log in to your account and go to the contact us page to contact the member support team.

* Monthly fee applies after trial, new customers only. You may cancel your trial anytime during the 30-day trial period without charge. Free trial period starts on registration – further ID verification may be required to access the full service which may take up to 5 days.

Explore our Help Centre

Our credit report centre is full of information on what 's in your credit report and how to improve your credit rating.

Find out how to protect yourself from identity fraud and what to do if you're a victim.

What is an unrecorded enquiry on my credit report?

 

Dear James,

 

What does ‘unrecorded enquiry' mean by a company that has checked your credit report?             

 

Stephen, Dudley

 

Dear Stephen,

Lenders register an ‘unrecorded enquiry’ search footprint when they need to check your report but it isn’t appropriate to register a specific footprint that other lenders might see. I’ll give you two examples. You’ve applied for credit, been refused and then appealed against the decision. As a result, the lender takes another look at your credit report but registers an unrecorded enquiry instead of a further credit-application footprint – because that would give other lenders the impression you had applied for credit again. Secondly, you check your credit report, spot a discrepancy and contact the relevant lender to query it. While investigating your complaint the lender needs to look at your report, so they register this access an unrecorded enquiry.  Unrecorded enquiries are not visible to other lenders and don’t therefore affect credit scoring, but you can see them when you check your own credit report, which is important. To understand a bit more about different search footprints and how they are used you can read our Your Credit Report And Previous Searches guide

James Sign

  • © 2014 Experian. All rights reserved