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Credit Reference Agencies - Who Really Uses Who?! UPDATE

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  • TheAnalyst
    TheAnalyst Posts: 132 Forumite
    Just so you know, I applied for a barclaycard 2 days ago and they searched Equifax and Experian.
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    TheAnalyst wrote: »
    Just so you know, I applied for a barclaycard 2 days ago and they searched Equifax and Experian.

    Thanks, this is perfectly normal. They done so with me as well. Basically if your Equifax comes back clean they will offer you account; if any discrepancies they search Experian.
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Have you had a decision yet mate? Was it the creditbuilder one?
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • TheAnalyst
    TheAnalyst Posts: 132 Forumite
    edited 7 May 2009 at 5:34PM
    never-in-doubt wrote: »
    Have you had a decision yet mate? Was it the creditbuilder one?

    Not as yet, it was the gold one..

    EDITED!!!!

    Just called them, accepted with a £3000 limit :D

    Great! means I can transfer over Vanquis, MBNA, Cap1, JJB and cancel them, also transfer over my FlyBe and use that for purchases then just pay off the Barclaycard within the 6 months interest free balance transfer period... easy peasy!

    Delighted, been looking for a half decent balance transfer card for ages but kept getting declined!
  • noah271007
    noah271007 Posts: 1,248 Forumite
    Congratulations TheAnalyst, im pleased for you! You are no longer a sub prime, it must be a nice feeling!
  • noah271007
    noah271007 Posts: 1,248 Forumite
    never-in-doubt wrote: »
    he's online mate - wonder how long before he finds this thread and the cheek hahahahaha :mad:

    You make me laugh mate! Great humour u got there! Hahaha. I have set up the thread now for Sutton Boy....
  • hack2009
    hack2009 Posts: 41 Forumite
    I applied for Barclaycard and the only search was registered with Equifax. Definitely nothing on Experian from my application.
  • welf_man
    welf_man Posts: 564 Forumite
    Alliance and Leicester Loans search Equifax.

    Mel.
    Though no-one can go back and make a brand-new start, anyone can start from now and make a brand-new ending.

    (Laurie Taylor, THE no. 1864)
  • naijapower
    naijapower Posts: 1,393 Forumite
    welf_man wrote: »
    Alliance and Leicester Loans search Equifax.

    Mel.
    Thats interesting. Many thanks.I thot they search Experian normally
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    How odd.............
    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
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