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Credit Reference Agencies - Who Really Uses Who?! UPDATE
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Innocent_Guy wrote: »I thought Next was Experian?
No It's defiantly Equifax.
Just further to hack2009, Capital One also search Equifax.0 -
I take it they one accept u as one of your defaults is with them!No It's defiantly Equifax.
Just further to hack2009, Capital One also search 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 01.07.100 -
never-in-doubt wrote: »Egg credit card is part of citi thus they search Experian however, they also perform Synectics Solutions checks against you.....
Why do they search Synectics?
I thought they were used by mail order companies.0 -
They accepted Cif didn't they. Is this when he had millions of searches too?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 01.07.100 -
Don't know mateWhy do they search Synectics?
I thought they were used by mail order companies.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 01.07.100 -
VM what was the state of your or you OH CF when you applied for the account?victor-meldrew wrote: »equifax deffoBank 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 01.07.100 -
Innocent_Guy wrote: »VM what was the state of your or you OH CF when you applied for the account?
mine
very new to credit.2 ish accounts.no e /roll. no real history.
when i applied i dordered 16g ipod touch.the amount is over the normal starting limit.
i phoned accounts to pay extra dont know if that helped.
o/h.
massive amount of searches.high amount of credit used to available.
next must be easy to get.littlewoods/littlewoods direct/marshall ward/kays/greatuniversal/empire stores/addittions/grattans/next/ambrose wilson.barclay card/cap1/bos/vanquis gold/vodafone/3 .dell finance/currys finance
Official SOS Club number 009 - Dry until 18.11.20090 -
cool, cheers palvictor-meldrew wrote: »mine
very new to credit.2 ish accounts.no e /roll. no real history.
when i applied i dordered 16g ipod touch.the amount is over the normal starting limit.
i phoned accounts to pay extra dont know if that helped.
o/h.
massive amount of searches.high amount of credit used to available.
next must be easy to get.
Do you get an immediate descion?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 01.07.100 -
Innocent_Guy wrote: »VM what was the state of your or you OH CF when you applied for the account?
also o/h has deffualted on next.poss within the last 6 years.my estimate,im still sorting her mess,from 5 to 7 years agolittlewoods/littlewoods direct/marshall ward/kays/greatuniversal/empire stores/addittions/grattans/next/ambrose wilson.barclay card/cap1/bos/vanquis gold/vodafone/3 .dell finance/currys finance
Official SOS Club number 009 - Dry until 18.11.20090 -
Innocent_Guy wrote: »cool, cheers pal
Do you get an immediate descion?
mine,poss instant.held up due to purchase amount.which could have helped like when you pay some straight away on a jd application.
o/h instant approval and 2 credit increases?opened account within the last 10 dayslittlewoods/littlewoods direct/marshall ward/kays/greatuniversal/empire stores/addittions/grattans/next/ambrose wilson.barclay card/cap1/bos/vanquis gold/vodafone/3 .dell finance/currys finance
Official SOS Club number 009 - Dry until 18.11.20090
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