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Credit Reference Agencies - Who Really Uses Who?! UPDATE

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  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    WOOOOOOW - !!!!!! is this

    Melgold Ltd T/a The Country Garden ????? It looks like it could be Jacamo because the limit shows as £125 and it says mail order but on Experian it shows as Jays and something!!
    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
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    Copy and paste, lets have a look.
    The VM account shows a settled and all payments up to date but I still don't want it!!!!!!!!!!!!
    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
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Innocent_Guy wrote: »
    WOOOOOOW - !!!!!! is this

    Melgold Ltd T/a The Country Garden ????? It looks like it could be Jacamo because the limit shows as £125 and it says mail order but on Experian it shows as Jays and something!!

    Jacamo. Mine shows up as the same.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    https://www.ukdata.com/company-credit-reports/MELGOLD-LIMITED.html
    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
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    Jacamo. Mine shows up as the same.
    Ohh ok, phew!! Was panicking then!
    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
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    My CF should hopefully be glowing in 12 months :D Glad Next accepted me
    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
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    I was thinking of doing 10 applications then going cold for 12 months
    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
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    Right I'm gonna shoot!
    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
    sutton111 wrote: »
    Why do they search Synectics?

    I thought they were used by mail order companies.

    Mate I thought that too so have written to them asking for clarity...... the following lenders appear on my Synectics SAR...

    A&L
    Citi
    Egg
    Nationwide
    Cattles (Welcome)
    Co-Op

    Pretty basic stuff; looks like this:

    Application Details:

    Domain     - Lender Name
    Application No - XXXXXXXX
    Application Date - 01/05/2009
    Decision - NULL/DEC/REF/ABAN etc
    Status - Clear/Refer to fraud dept etc

    Party Details:

    My personal details.......

    Thats about all it shows.... I've written asking for clarity on lots of points - letter to follow....
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    Cool, Debenhams do search Experian so that is a No No

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

    Mate they also search Experian - see here: #13

    Thought you'd already applied - see your reply here mate: #19
    :o 2010 - year of the troll :o

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