Hard credit search
Hi Team, I recently tried switching to VM for the broadband and realized you have done a hard credit search which has impacted my credit history leaving the mark for many many more months to come. This is hurting me badly as I am applying for mortgage. I was a previous VM account holder without any debts or missed payment and was using Sky for past many years. Even though the a soft credit check may be needed, a hard search was not necessary given how the broadband contract works etc as stated by many here. You may argue its in the terms and conditions but is hidden away in the details which is not clear for a customer. Any such thing that have high importance to a customer and his life need to be properly and more evidently communicated/visible which you can clearly see from the number of complaints that you may have received. Also, while talking to the customer care executive for purchasing the new VM BB plan, I was told that soft search will only be done if needed and not a hard search which clearly was not the case. Hence its mis-leading also. Therefore, I kindly request you to take the necessary action to remove the hard credit search on my account (and many others - clearly there are many affected). Appreciate you understanding and help. Please let me know in case of any details are required. (Account reference: [MOD EDIT: PERSONAL INFORMATION REMOVED] [MOD EDIT: Personal and private information has been removed from this post. Please do not post personal or private information in your public posts. Please review the Forum Guidelines]Credit score massively downgraded
I recently attempted to get a (duplicate) Virgin Media Broadband package in my home and Virgin performed a hard credit search. This duplicate account has now been cancelled - there was no installation and no money changed hands. However the hard credit search remains in place and has made a large decrease in my credit score. How do I go about getting this search removed? It doesn’t seem fair that: a) it was not clearly pointed out that a mere £28/month subscription would result in a hard search and b) the search needs to remain in place if I no longer require Virgin broadband. Any help appreciated. Thanks