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Credit Reference Agencies - Who Really Uses Who?! UPDATE

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  • debtdestroyer007
    debtdestroyer007 Posts: 402 Forumite
    Innocent_Guy wrote: »
    The likely hood is

    what do u reckon?

    :confused:
  • debtdestroyer007
    debtdestroyer007 Posts: 402 Forumite
    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
    Innocent_Guy Posts: 5,369 Forumite
    debtdestroyer007 wrote: »
    what do u reckon?

    :confused:
    You will have two searches, just dispute and get one removed.
    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
    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?
    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
    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
    Innocent_Guy Posts: 5,369 Forumite
    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?
    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
    Sorry and how many searches do you have
    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
    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
    debtdestroyer007 Posts: 402 Forumite
    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
    Innocent_Guy Posts: 5,369 Forumite
    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!
    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.
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