Sub Prime Credit Thread Part II

sutton111

Good Evening everyone. I've been watching the new series of road wars on Sky Anytime and I've now got the cricket on, COME ON ENGLAND.

sutton111

bushtea wrote: »

Hi, I'm brand new here :rotfl: :rotfl: and have just applied for an Aqua card this morning. They said they will let me know in 10 days. I checked Equifax and Experian and Aqua have not done a credit search on either one. Is this normal? How long before they let you know and do they call you or write?

welcome aborad.
You will have to wait for tomorrow for the searches to show up, as they update from the day before at Midnight (if you follow);)

So tomorrow they will show if they have done a search today. HTH

sutton111

bushtea wrote: »

Merci beaucoup
that is weird. Normally when companies do a search on me, it shows up straight away.

Perhaps it's just me then. When ever I have applied for anything the search always shows the following day.

TheEffect

bushtea wrote: »

Hi, I'm brand new here :rotfl: :rotfl: and have just applied for an Aqua card this morning. They said they will let me know in 10 days. I checked Equifax and Experian and Aqua have not done a credit search on either one. Is this normal? How long before they let you know and do they call you or write?

When applying for an Aqua card, a search will show instantly with Experian as ''Halifax - Credit Card''. Halifax own Aqua (In a non direct way) and therefore Aqua shows as Halifax search and Halifax credit card, rather then Aqua.

Have a look again for anything with Halifax on it.

sutton111

TheEffect wrote: »

When applying for an Aqua card, a search will show instantly with Experian as ''Halifax - Credit Card''. Halifax own Aqua (In a non direct way) and therefore Aqua shows as Halifax search and Halifax credit card, rather then Aqua.

Have a look again for anything with Halifax on it.

Why does it show the next day on mine then.

I applied for HSBC and it didn't show up until the following day, same with Vanquis?

I'm a little confused then. When I ask Experian for my report it gives it to me, if i go back in does it do another search?

milfordmadness

sutton111 wrote: »

Good Evening everyone. I've been watching the new series of road wars on Sky Anytime and I've now got the cricket on, COME ON ENGLAND.

Come on you Windies - draw yey!!!

(look at my avatar before you comment further lol)

milfordmadness

sutton111 wrote: »

Why does it show the next day on mine then.

I applied for HSBC and it didn't show up until the following day, same with Vanquis?

I'm a little confused then. When I ask Experian for my report it gives it to me, if i go back in does it do another search?

Well it isn't hard to confuse you now is it mate? haha :beer:

Mine done the same with both accounts - HSBC & Vanquis both appeared the next day. I guess if you apply during office hours then maybe the same day, but out of hours is deffo next day after midnight run (update)....

Hey Sutton - you being good mate?

sutton111

milfordmadness wrote: »

Come on you Windies - draw yey!!!

(look at my avatar before you comment further lol)

So you support Rangers then!!

Do you like any English team? Man Utd?

sutton111

milfordmadness wrote: »

Well it isn't hard to confuse you now is it mate? haha :beer:

Mine done the same with both accounts - HSBC & Vanquis both appeared the next day. I guess if you apply during office hours then maybe the same day, but out of hours is deffo next day after midnight run (update)....

Hey Sutton - you being good mate?

Cheek Git. Lol

I'm not going mad then.

I'm fine thanks I've been watching the cricket and England drew the match the windies went off for bad light :mad: . So it's a draw.

I want an HSBC account!!, I hate Abbey they are crap. I rang them up last week about an upgrade, no mention of a credit search and they have searched my Experian file and I am not very happy about it.

milfordmadness

sutton111 wrote: »

There is no disagreement, I'm just wondering if I've done something wrong when I've asked for my credit files that's all.

So you support Rangers then!!

Do you like any English team? Man Utd?

Nah I was confirming what you said mate! Divvy!

Has that guy not posted his pics yet, ermm Lee is it? Are you chasing him? Cmmon, dont let your standards drop matey :T

I am a die hard blue nose and as Scottish (i.e. anti english in a friendly way) as you get!!! I don't have ginger hair and wear skirts and I can't stand whisky! I smoke and drink stella or carlsberg export - and love steak and chips.

:rotfl::rotfl: