Credit Reference Agencies - Who Really Uses Who?! UPDATE

TheAnalyst

Just so you know, I applied for a barclaycard 2 days ago and they searched Equifax and Experian.

never-in-doubt

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.

never-in-doubt

Have you had a decision yet mate? Was it the creditbuilder one?

TheAnalyst

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

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

Congratulations TheAnalyst, im pleased for you! You are no longer a sub prime, it must be a nice feeling!

noah271007

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

I applied for Barclaycard and the only search was registered with Equifax. Definitely nothing on Experian from my application.

welf_man

Alliance and Leicester Loans search Equifax.

Mel.

naijapower

welf_man wrote: »

Alliance and Leicester Loans search Equifax.

Mel.

Thats interesting. Many thanks.I thot they search Experian normally

Innocent_Guy

How odd.............