Credit Reference Agencies - Who Really Uses Who?! UPDATE

debtdestroyer007

Innocent_Guy wrote: »

The likely hood is

what do u reckon?

debtdestroyer007

Innocent_Guy wrote: »

You dont have adverse tho do you?

no mate, nothing, 6 active accounts - all opened in the last 18 months though. smile accepted me though, and they are supposed to be really tight asXXX.......
fingers crossed next should come back with a YES.
they'll write to me

my main worry id i am using 94% of my available credit.
May wages def going to towards lowering my balances on my cards

Innocent_Guy

debtdestroyer007 wrote: »

what do u reckon?

You will have two searches, just dispute and get one removed.

Innocent_Guy

debtdestroyer007 wrote: »

no mate, nothing, 6 active accounts - all opened in the last 18 months though. smile accepted me though, and they are supposed to be really tight asXXX.......
fingers crossed next should come back with a YES.
they'll write to me

my main worry id i am using 94% of my available credit.
May wages def going to towards lowering my balances on my cards

Who did smile search?

How many searches you have on EX & EQ?

debtdestroyer007

Innocent_Guy wrote: »

Who did smile search?

How many searches you have on EX & EQ?

smile searched experian, first they did an inquiry search and then a full check on experian. they then checked my record though Coop Bank as i have an account with them..... thats what the lady told me.

Innocent_Guy

debtdestroyer007 wrote: »

smile searched experian, first they did an inquiry search and then a full check on experian. they then checked my record though Coop Bank as i have an account with them..... thats what the lady told me.

So does it help to have a co-op account? Is it a full current account with them?

Innocent_Guy

Sorry and how many searches do you have

debtdestroyer007

Innocent_Guy wrote: »

Sorry and how many searches do you have

experian now has 1 search.... from smile
equifax now has 1 search ..... from john lewis

and nxt might do one tomorrow.... so that'll be 2 for equifax

debtdestroyer007

Innocent_Guy wrote: »

So does it help to have a co-op account? Is it a full current account with them?

i suppose it does because they can see kind of history with the bank.
with coop, i have a smart saver account- savings. no current account though mate

i guess the main advantage was, they dont need any ID , as you are an existing customer of the Bank's high street arm....

Innocent_Guy

debtdestroyer007 wrote: »

i suppose it does because they can see kind of history with the bank.
with coop, i have a smart saver account- savings. no current account though mate

i guess the main advantage was, they dont need any ID , as you are an existing customer of the Bank's high street arm....

Cool, right chat later i'm off!