Sub Prime Credit Thread Part II

never-in-doubt

sutton111 wrote: »

Sygma use Equifax though.

nooo both mate. Primarily first and foremost they seach Equifax and if they cannot verify you they move to Experian and perform a soft search as a verification search (unclassified)

sutton111

never-in-doubt wrote: »

nooo both mate. Primarily first and foremost they seach Equifax and if they cannot verify you they move to Experian and perform a soft search as a verification search (unclassified)

Oh, everyone else seems to thing they just search Equifax exclusively.

sutton111

never-in-doubt wrote: »

THEY ARE EXPERIAN/HUNER AND MCL SOFTWARE ALL ROLLED INTO ONE FOR THE 500TH TIME!!!

Calm down!!

MCL or MQL??

never-in-doubt

sutton111 wrote: »

So who is Experain DA then? You couldn't SAR them could you?

No. They stated that they stopped processing data and de-regulated from CRA in 2002. Therfore they returned my cheque but that don't mean i'm dun with them yet mate! I specifically requested (as I do in all my sar's) that if they hold no data about me then I want a signed declaration and they didn't do this so i'll be straight back at em.

they even write using official experian letterheads - not experian DA.

It works like this; experian run all the credit agency thing and have branches that dealwith gone away, fraud, employment fraud, catalogue fraud etc etc and all these were under the umbrella name of Experian Data Analatycs - however it is all now done by N Hunter when Experian bought them, and Experian DA is simply the parent name for all the little companies within it. So on Experian DA website you see application fraud and click it, you are sent to experian.co.uk and their application fraud bit. Mention gone away and you go to Hunter etc.

Following me mate...?

never-in-doubt

sutton111 wrote: »

Calm down!!

MCL or MQL??

whatever - you know what I mean and it is MCL Software smart ars LOL :j

http://www.experian-da.com/solutions/fraud_prevention.html

Tori_Bellatrix

sutton111 wrote: »

Tori :-

So you have Egg who are difficult IMO.

What other credit do you have?

Other cards I have are (in order of getting them)

Capital One Classic
Halifax Classic
Aqua
HSBC
Egg

Also, various mail order accounts when I use to a minimum and try and keep low balances.

I'm closing down my Cap 1 now though and the Halifax Classic will be next to go as they are the ones with the 2 highest interest rates.

never-in-doubt

sutton111 wrote: »

Oh, everyone else seems to thing they just search Equifax exclusively.

they do mate but i'm like that other lad, just appeared from nowhere with no previous address etc - thus they linked me to some random one that I know nothing about! Madness.

maybe this is why I got double searched LOL

sutton111

Tori_Bellatrix wrote: »

Other cards I have are (in order of getting them)

Capital One Classic
Halifax Classic
Aqua
HSBC
Egg

Also, various mail order accounts when I use to a minimum and try and keep low balances.

I'm closing down my Cap 1 now though and the Halifax Classic will be next to go as they are the ones with the 2 highest interest rates.

So you have a good credit record then.

I take it you bank with HSBC to have one of their credit cards?

sutton111

never-in-doubt wrote: »

whatever - you know what I mean and it is MCL Software smart ars LOL :j

http://www.experian-da.com/solutions/fraud_prevention.html

:rotfl: :rotfl: :rotfl:

Cash_Flow

cifpower wrote: »

I have a feeling Egg use Equifax

They use experian mate.;)