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crazyfj

Hi Everyone

Has anyone applied for an IF card lately, just wondered if they still only use equifax or now use experian (as they are part of the Halifax)

Any info would be great

Thanks
fj

Former_MSE_Dan

Hi,

This table should be of use

http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1129725802,83707,

YorkshireBoy

IF searched Experian only for me earlier this year, although they may now have changed - I'm not sure when the table referenced above was last updated.

BTW, are you aware that this is not a 0% card? It's been 8.9% APR (typical) for a while now.

http://www.if.com/creditcard/creditcard_home.asp

The_Boss

Speaking of that table.....I want to buy a car through Sainsburys Bank and they told me they mainly use Experian and occasionally Equifax. So is the table correct?

King_Of_Fools

The_Boss wrote:

Speaking of that table.....I want to buy a car through Sainsburys Bank and they told me they mainly use Experian and occasionally Equifax. So is the table correct?

Sainsburys and IF are run by HBoS so it makes sense for them to be the same as Halifax and Bank of Scotland. The table says that both Halifax and Bank of Scotland can also use Equifax, but mainly use Experian.

However the table says that both Sainsburys and IF only use Equifax, which would suggest the table may be wrong.

Former_MSE_Dan

Hi folks

Here is the original discussion on the Credit Reference Table.. Martins comment in post 2 will probably be of interest to a few of you.

Discussion

As he says, if you have any challenges to these, we'll put them to the relevant people (when everything else dies down in MoneySaving Towers ). But the results published are based on the exact information given out directly from the lenders.

Cheers

The_Boss

I just called IF and they said they use Experian and Equifax, saying that Experian was the bigger and more widely used of the two.

The AA said the same when I called them yesterday.

Former_MSE_Dan

Cheers Boss, we'll put this to them and let you know the answer they give.

crazyfj

Thanks everyone for coming back to me!
fj