Credit Reference Agencies - Who Really Uses Who?! UPDATE

System

stephane wrote: »

I have noticed that when I did application process for a Barclays current account they actually checked my Equifax credit file. Within the application at the end of it, it ask me to confirm certain aspect of my accounts (limits, balance etc...) compare to records they have on my Equifax credit report.

Hi stephane

A few questions if I may

- Was the search performed by Barclays with Equifax a full credit search or an ID check?

- Did they exclusively search Equifax?

- Do you already have any Barclays products or a Barclaycard?

Regards
UNDERGROUND

PROLIANT

When you do an online app with Barclays for a current account they do an unrecorded "ID" check with Equifax and ask you questions about account data, if you pass then you don't have to provide ID to a branch.
They then do a full search with Experian usually the next working day.

never-in-doubt

PROLIANT wrote: »

When you do an online app with Barclays for a current account they do an unrecorded "ID" check with Equifax and ask you questions about account data, if you pass then you don't have to provide ID to a branch.
They then do a full search with Experian usually the next working day.

Ahh unless you're an existing customer in which case they only search Equifax.... i'm assuming this is why Underground asked the related questions that he did...

PROLIANT

never-in-doubt wrote: »

Ahh unless you're an existing customer in which case they only search Equifax.... i'm assuming this is why Underground asked the related questions that he did...

Reading the post I think it is a new account app.

never-in-doubt

PROLIANT wrote: »

Reading the post I think it is a new account app.

Ohhh yea haha - thanks mate!

DOH :doh::doh::doh:

System

PROLIANT wrote: »

When you do an online app with Barclays for a current account they do an unrecorded "ID" check with Equifax and ask you questions about account data, if you pass then you don't have to provide ID to a branch.
They then do a full search with Experian usually the next working day.

Ah, this makes sense

Cheers
UNDERGROUND

catherine238

thank you st clair
anyone know how to get them to just check Experian? lol

~Chameleon~

Front page adjustments are needed:

STORE CARDS / STORE FINANCE

Argos Store Card
Search: EX
Report: EQ (Also report to EX)
HFC Bank (DSG Retail - Currys, Dixons, PC World)
Search: EX, EQ
Report: (Report to EX)


On the subject of Barclaycard which I applied for earlier this month, I was pre-approved online (Equifax?) and on application I didn't get an instant decision but I know they searched Experian.

I then received a letter accepting my application, signed the CA and returned it. Now today, after almost 2 weeks, I've received a letter saying my application has been declined!! No idea what they're playing but to say I'm peed off is an understatement! :mad:

stephane_2

UNDERGROUND wrote: »

Hi stephane

A few questions if I may

- Was the search performed by Barclays with Equifax a full credit search or an ID check? All I know at moment is that they wanted me to confirm some accounts information that they wanted to compare with my Equifax credit file.

- Did they exclusively search Equifax?
At the moment I have no search recorded that I can see on Experian and need to check Equifax to see if anything appears on it.

- Do you already have any Barclays products or a Barclaycard?
I do have 2 Barclaycard.

Regards
UNDERGROUND

Will keep you posted when I have more information. As I applied for an account but not to have my income transferred to them (Main account with First Direct), will see if they offer what I requested. If they want to give me their cash account, then I'll tell them to p*** off!!

never-in-doubt

stephane wrote: »

Will keep you posted when I have more information. As I applied for an account but not to have my income transferred to them (Main account with First Direct), will see if they offer what I requested. If they want to give me their cash account, then I'll tell them to p*** off!!

Ahh now that explains things...... as below mate - thanks for clarifying...

never-in-doubt wrote: »

Ahh unless you're an existing customer in which case they only search Equifax.... i'm assuming this is why Underground asked the related questions that he did...