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Sub Prime Credit Thread Part II

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Comments

  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    Tesco Personal Finance uses a company called Experian to check applicants' credit history. If you are turned down for credit, this is not a decision made by Experian, but by Tesco Personal Finance, based on our own criteria.
    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 01.07.10
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    Check your PM, Innocent.
    Will search for it in a minute - I am contemplating tesco...
    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 01.07.10
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    Innocent_Guy wrote: »
    Will search for it in a minute - I am contemplating tesco...
    Dont bother mate, they turn off the Experian Database after 9pm for indexing, it will just get deffered until tomorrow.
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    PROLIANT wrote: »
    Dont bother mate, they turn off the Experian Database after 9pm for indexing, it will just get deffered until tomorrow.
    Are you sure? Does this mean there will be no info for tesco?
    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 01.07.10
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    PROLIANT wrote: »
    Dont bother mate, they turn off the Experian Database after 9pm for indexing, it will just get deffered until tomorrow.

    I never knew that. Is that the same at Equifax as well?
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    Innocent_Guy wrote: »
    Are you sure? Does this mean there will be no info for tesco?
    They will search Equifax then tell you they will be intouch - after they do a search on Experian tomorrow.
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    sutton111 wrote: »
    I never knew that. Is that the same at Equifax as well?
    No, Equifax is a much more modern system and they have different ways of doing things.
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • cifpower
    cifpower Posts: 6,502 Forumite
    I would apply anyway - why put off til tomorrow what you can do today.

    But then I am impatient
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    I never knew that. Is that the same at Equifax as well?
    I can't find any info on google regarding it
    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 01.07.10
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    PROLIANT wrote: »
    They will search Equifax then tell you they will be intouch - after they do a search on Experian tomorrow.

    They only searched equifax for cif do you think this is why??
    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 01.07.10
This discussion has been closed.
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