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Next Directory
moneysavingallday
Posts: 615 Forumite
in Credit cards
is it possible to get a Next Directory without being credit searched? If not, which CRA do they use and how strict are they?
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Comments
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Hi,
Next Directory will search your credit file and I think they use Equifax0 -
Indeed, it is Equifax, and when you request a book they open you a credit account with (in my experience of looking through people's credit files) a £250 limit.
Only way to get a book without getting searched is to go and nick the one in the store that's stuck to the "get a directory" podium.0 -
billbennett wrote: »
Only way to get a book without getting searched is to go and nick the one in the store that's stuck to the "get a directory" podium.
Thanks. That is what I'll do tomorrow (joke);)0 -
Alternatively, if you just want a directory if you order from Next online (using an existing credit card) they send you a complimentary copy of the directory. Of course you will have to pay £3.95 postage as opposed to the £3.50 charge for the regular directory, but you won't be credit checked that way.
Amanda0 -
For some strange reason NExt are not upfront about the fact that by requesting a catalogue you are also agreeing to open a credit account.
I also read Next are owned by Littlewoods?0 -
Is it deffo Equifax? Do not need anymore searches to my experian....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 -
I also read Next are owned by Littlewoods?[/quote]
Two different companies .0 -
Innocent_Guy wrote: »Is it deffo Equifax? Do not need anymore searches to my experian....
It states on their website they will search CRA's none in specificBank 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 -
yeah Equifax - they somtimes do 'soft' searches on mine and also my OH applied few weeks ago - havent said that she still hasnt heard anything!0
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Thanks....Did your OH get searched??londonuk2008 wrote: »yeah Equifax - they somtimes do 'soft' searches on mine and also my OH applied few weeks ago - havent said that she still hasnt heard anything!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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