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Credit Reference Agencies - Who Really Uses Who?! UPDATE
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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 cards0 -
You will have two searches, just dispute and get one removed.debtdestroyer007 wrote: »what do u reckon?
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 -
Who did smile search?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
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 01.07.100 -
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 wrote: »Who did smile search?
How many searches you have on EX & EQ?0 -
So does it help to have a co-op account? Is it a full current account with them?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.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 -
Sorry and how many searches do you haveBank 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: »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 equifax0 -
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....0 -
Cool, right chat later i'm off!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....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
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