Experian vs. Equifax

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  • danjaq2004
    danjaq2004 Posts: 361 Forumite
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    Does anyone know which one Capital One uses. It appears, from the first post, to be both..?

    Thanks.
  • roaming_rhino
    roaming_rhino Posts: 142 Forumite
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    yes , you are correct I believe , on my last credit file searches with both equifax and experian , capital 1 used both
    Help enough people get what they want and you will automatically get what you want
  • danjaq2004
    danjaq2004 Posts: 361 Forumite
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    Well, applied for the 'guaranteed' card, satisfied all the 'short list' criteria and I'll have to wait and see. The page (after I submitted my application) said they were unable to reach a decision there and then, and I'd hear from them within 10 days.

    Here's waiting!
  • scotswarvet
    scotswarvet Posts: 78 Forumite
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    bump

    This is a very good thread which needs revitalised.....

    Thanks everyone!
  • danjaq2004
    danjaq2004 Posts: 361 Forumite
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    Heard back from Capital One. Have been accepted, signed terms and conditions and waiting to hear what card I have been offered. Incidentally, was turned down by my bank for a card ...crazy!

    They use Experian as well as Natwest though....why was I declined?!!
  • Walshy
    Walshy Posts: 81 Forumite
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    Anyone know who M&S check for their credit card?
  • danjaq2004
    danjaq2004 Posts: 361 Forumite
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    Bluelady wrote:
    Does anyone know which credit card companies, other than Marbles and Cahoot, search only Equifax?

    I don't know and would like to hear the answer to that one myself...if anyone can help?
  • clarkey_2
    clarkey_2 Posts: 36 Forumite
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    Walshy wrote:
    Anyone know who M&S check for their credit card?

    They checked my application with Experian
    Named after my cat, picture coming shortly
  • charlie12
    charlie12 Posts: 1,668 Forumite
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    According to this, the M&S card is owned by HSBC. So, as clarkey said, and going by the list on this thread, they use Experian.
  • danjaq2004
    danjaq2004 Posts: 361 Forumite
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    Thanks for the info that Cahoot only use Equifax...based on that I was conditionally accepted for an account and credit card.

    Will have to wait and see now.
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