Search on my file removal help

[Ladida]

Hello

 

Halifax Card Services has listed a search on my credit file even though I did not complete any application. I remember at the time that I recieved stuff in the post inviting me to apply that I get all the time from various cc providers. I did not apply for this card. I wrote and asked them to remove the search and they have refused saying that they were concerned about identity theft and needed my home mobile and work telephone my e-mail and my bank details! this was to enable the fraud department to to instruct if the search has to be removed.

 

What I would like to know is does this look bad on my file and what should I do next write back to Halifax? the CRA? Also am I concerned about nothing does a search really matter? even tho I did not apply or enquire about getting a cc.

Also I am linked to my husband with one of the agencies and his file is a mess I suppose that reflects on me anyway so maybe should not be worrying about this anyway!

 

Hoping someone can advise me many thanks

 

Regards

Ladida

[liquidauctions]

Hi;

Is the Search for an account or is it just an ID check? If its just an ID check then I wouldnt be too worried as they dont show to other lenders who do search your file. As I am pretty active with the banks I had 19 of these checks done last year. They do tend to do them now and again for some reason.

[danielman2]

should drop off after 1 years