📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Credit Reference Agencies - Who Really Uses Who?! UPDATE

Options
1…2829313334…77

Comments

  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    John Lewis Mastercard: Equifax
    Halifax Personal Loan: Experian
    Halifax CC: Experian
    Halifax Bank A/C - Experian
    John Lewis Mastercard - Equifax
    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: »
    John Lewis Mastercard - Equifax

    have you applied for that mate? I done it earlier today!
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    have you applied for that mate? I done it earlier today!
    I meant to say oooooooooooooo Equifax..... I like lenders that use Equifax only......
    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
  • hack2009
    hack2009 Posts: 41 Forumite
    Does anyone know of a bank that uses Equifax to search for a current account??
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    hack2009 wrote: »
    Does anyone know of a bank that uses Equifax to search for a current account??
    Not many at all........ Most use EQ & EX
    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
  • debtdestroyer007
    debtdestroyer007 Posts: 402 Forumite
    never-in-doubt wrote: »
    have you applied for that mate? I done it earlier today!

    my equifax is pretty clean and all searches fall of 1st of may. are u guys 100% certain John Lewis def search equifax for the card as then i would imagine i have a good chance of being accepted. did u check ur file after that to see their search footprint.

    sorry for being paranoid, but i cant afford any searches on experian and i am giving it a rest for another 3 months.

    thanks once again mate
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    debtdestroyer007 wrote: »
    my equifax is pretty clean and all searches fall of 1st of may. are u guys 100% certain John Lewis def search equifax for the card as then i would imagine i have a good chance of being accepted. did u check ur file after that to see their search footprint.

    sorry for being paranoid, but i cant afford any searches on experian and i am giving it a rest for another 3 months.

    thanks once again mate

    Yes mate - I checked it online cos got equifax email alert a later that night..... it was for search...... I got declined by the way - lol, knew I would.....
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    Not many at all........ Most use EQ & EX


    Barclays tend to use Equifax don't they mate...?
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • debtdestroyer007
    debtdestroyer007 Posts: 402 Forumite
    all cards issued by barclaycard are checked on equifax.
    i applied for barclaycard platinum ... got accepted
    6 months later, i applied for bhs mastercard..... got accepted.

    i guess ill keep sticking to barclaycard issued cards for a while .....lol
    no luck with balance transfer with them though.

    last month applied for an MBNA platinum plus, got declined, they said my credit file was fine but i was using 94% of my available credit and that was the reason for the refusal....

    i guess debt to credit ratio is becoming increasingly important
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    Barclays tend to use Equifax don't they mate...?

    No, Barclaycard use Equifax, Barclays Experian 100%
    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
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.1K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599.2K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture