Response to Settled with Halifax and moving on

Congratulations on your settlement. Ref Q.3. A "no caps" search yields the same info as a recorded search, but leaves no record of said search on the credit file, as is required by Law. I believe, possibly wrongly, that it means "no capture" - i.e. it's a shadow search and technically should not be undertaken by "unauthorised" agencies or individuals. Well well well.

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