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Credit Reference Agencies - Who Really Uses Who?! UPDATE

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  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    londonuk2008 wrote: »
    Do any other companies report?

    I know E-on don't and neither do Yorkshire Electric (N Power).... :D
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • londonuk2008
    londonuk2008 Posts: 1,101 Forumite
    well I agree with you in that as we don't sign a cca why should they report?anyway I must in the new year see if I can get a better deal!
  • misscutiepie1984
    misscutiepie1984 Posts: 1,277 Forumite
    Part of the Furniture Combo Breaker
    I have about 10 (bank accounts, credit cards, catalogues) from the list in post 1 that should report to experian but for some reason they do not report at all to experian and my credit score is not improving due to this. It stand at (425) I have been trying to improve this but to no avail as when companies search they see no credit history whatsoever and decline my applications.

    Is there anything i can do to remedy this?
    Official DFW Nerd number 227
    Proud to be dealing with my debts!!!!
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Misscutie - thats the same post in 3 threads - enough already!

    http://forums.moneysavingexpert.com/showthread.html?p=28244079#post28244079

    http://forums.moneysavingexpert.com/showthread.html?p=28245819#post28245819

    http://forums.moneysavingexpert.com/showthread.html?p=28240803#post28240803
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    Hi all,

    Apple / Barclays partner finance search Experian
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    Hi all,

    Apple / Barclays partner finance search Experian

    mate how did that work then, did you have to go and log-in to get the decision or was it an email they sent you? Was it instant - I seen the screen print you posted on Sub Prime but you left unanswered questions! :D:D:D
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    mate how did that work then, did you have to go and log-in to get the decision or was it an email they sent you? Was it instant - I seen the screen print you posted on Sub Prime but you left unanswered questions! :D:D:D

    Basically you log into the same system the store uses to process credit apps ( I was in store the other day ) however you are given your personal login via email.

    Once logged in it says please wait whilst we process your documents and give you your decision ( Although this has already been decided )

    You log in and it says good news, you have been accepted, Please download the credit agreement, sign and post to us etc :D
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    Basically you log into the same system the store uses to process credit apps ( I was in store the other day ) however you are given your personal login via email.

    Once logged in it says please wait whilst we process your documents and give you your decision ( Although this has already been decided )

    You log in and it says good news, you have been accepted, Please download the credit agreement, sign and post to us etc :D

    Thanks mate - which store is this then? what did you get exactly? lol :D Got a link :p
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    Thanks mate - which store is this then? what did you get exactly? lol :D Got a link :p
    Which store as in the geographical location? I bought a Macbook ;)
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    Which store as in the geographical location? I bought a Macbook ;)

    No like dixons, comet lol you div! Is there only one kind of mac-book? Isnt that like me saying I bought a windows PC lol :rotfl: :rotfl:
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
This discussion has been closed.
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