Search Footprints

A search is the process that lenders carry out when they receive a credit application, so that can assess the information found in your credit report and decide whether or not to offer you credit. Although a search footprint is not seen in itself to be negative, a lender might be wary if there were a large number of searches, as this might be seen that you may be over-extending yourself financially, or that fraudulent activity was taking place. Non-credit searches may also be carried out for other purposes, such as to confirm identity.

The search footprint section lists the date that the search was carried out, along with the name of the applicant and the name of the lender carrying out the search. It does not state whether or not that search was successful.

How Long is This Data Held on Your Credit Report?

Search footprints remain on your credit report for up to 2 years, depending upon which credit reference agency was used to carry out the search. Experian retains search entries for up to a year, whilst Equifax and Callcredit keep search entries for up to 2 years.

See Also