Credit Reference Agencies - Who Really Uses Who?! UPDATE

Innocent_Guy

victor-meldrew wrote: »

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 ago

Oh ok........ I have 9 searches on Equifax :mad::mad:

Innocent_Guy

victor-meldrew wrote: »

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 days

2 increases in 10 days! They say next are silly with their limits!!! Did your OH have more searches then me?

victor-meldrew_4

Innocent_Guy wrote: »

Oh ok........ I have 9 searches on Equifax :mad::mad:

she must have at least 20.15 of them must be within the last 6 months.
im sorting a few more bits out for her and then getting her files.

Innocent_Guy

victor-meldrew wrote: »

she must have at least 20.15 of them must be within the last 6 months.
im sorting a few more bits out for her and then getting her files.

Cool....... I was thinking of applying for next but debenhams is really what I would like....... Not sure if they search Experiam tho. I think NID has said before

victor-meldrew_4

Innocent_Guy wrote: »

2 increases in 10 days! They say next are silly with their limits!!! Did your OH have more searches then me?

technicly .the amount of credit raised in the first hour after the initial amount.and then the next day.
i never do much in the day so the app would have been done early hours of the morning.????

Innocent_Guy

victor-meldrew wrote: »

technicly .the amount of credit raised in the first hour after the initial amount.and then the next day.
i never do much in the day so the app would have been done early hours of the morning.????

Cool, Debenhams do search Experian so that is a No No

http://forums.moneysavingexpert.com/showthread.html?t=1634735&page=1

victor-meldrew_4

Innocent_Guy wrote: »

Cool....... I was thinking of applying for next but debenhams is really what I would like....... Not sure if they search Experiam tho. I think NID has said before

we cant get debenhams
even when my searches were low.
we both get "sod off" they must be strict.
go loads after they declined me.
dont know who they searchrd.
jd /littlewoods/next,seem to not worry to much about searches,not in our case.perhaps the profile of customer,subish prime,is expected to have a lot of searches.
also can never get burtons card,wich can be used in other stores.

Innocent_Guy

victor-meldrew wrote: »

we cant get debenhams
even when my searches were low.
we both get "sod off" they must be strict.
go loads after they declined me.
dont know who they searchrd.
jd /littlewoods/next,seem to not worry to much about searches,not in our case.perhaps the profile of customer,subish prime,is expected to have a lot of searches.
also can never get burtons card,wich can be used in other stores.

My OH has the debenhams GOLD card :mad:

victor-meldrew_4

Innocent_Guy wrote: »

My OH has the debenhams GOLD card :mad:

show off. lol

havent checked prices latley but next got a big sale on.keep emaling offers.i think they are doing plasmas or lcd's from 850 to 400.
didnt take to much notice,but worth a look.cheaper prices on a lot of products than the other cats.

Innocent_Guy

What limits you and OH currently got?