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Instant Decision Credit Cards
blacksta
Posts: 919 Forumite
in Credit cards
I am interested in any credit card who gives instant decision and only uses equifax credit agency as i have a high score with them
I owe £3233 @ 0%
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Egg gave me an instant decision (yes) - not sure which CRA they use - try their website as they often say.blacksta wrote:I am interested in any credit card who gives instant decision and only uses equifax credit agency as i have a high score with them0 -
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My friend has an Egg card and this appears on her Experian credit file.0
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Most credit cards firms share their customer payment records with all three credit reference agencies, but each firm will usually only carry out a credit check through one agency. So... just because an Egg account appears on an Experian report, it doesn't mean Egg carries out credit checks through Experian and so on.
The credit scores you can buy from the credit reference agencies are only guides and can't really be compared agianst each other as they'll be calculated in different ways. And at the end of the day it's the lenders who assess your applications not the credit reference agencies. Lenders' scoring systems will be quite different and will take account of information the agencies don't have, such as your occupation, salary etc.“Official Company Representative
I am an official company representative of Experian. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
Posts by James Jones, Neil Stone, Stuart Storey & Joe Standen0 -
Egg definately check with Experian as they have told me so, and I saw search on Experian report and not Equifax of CallcreditMortgage-free wannabe!0
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I know barclays always use equifaxI owe £3233 @ 0%0
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Try this link from the stooz site http://www.stoozing.com/cards.htm0
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'Equifax' or 'Equifax only'? This makes very big difference. Other experts claim that Barclays use both Equifax and Experian: http://www.stoozing.com/cards.htmblacksta wrote:I know barclays always use equifax0 -
Barclays can use either. Barclaycard is separate.“Official Company Representative
I am an official company representative of Experian. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
Posts by James Jones, Neil Stone, Stuart Storey & Joe Standen0 -
Barclaycard do use experian as my old Bcard showed up on my Experian report. The search didn't but the card was donkeys years old and I think I'm right in assuming searches just show up for 12 months0
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