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turned down for credit cards but no searches on my credit file?

debtfreesomeday
debtfreesomeday Posts: 1,824 Forumite
Debt-free and Proud!
in Credit cards
HIya

I have recently been turned down for a couple of 0% credit cards, despite having good credit history. I have checked my credit report and there is nothing untoward on there, in fact it shows that there has only been 1 search on there in the last 6 months and this is by a mobile phone company via a contract I took out in January. Anyone have any ideas as to what's happening here?

Thanks

Comments

  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    debtfreesomeday wrote: »
    HIya

    I have recently been turned down for a couple of 0% credit cards, despite having good credit history. I have checked my credit report and there is nothing untoward on there, in fact it shows that there has only been 1 search on there in the last 6 months and this is by a mobile phone company via a contract I took out in January. Anyone have any ideas as to what's happening here?

    Thanks

    What CRA are you checking? Remember some only use Experian, others only Equifax
    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
  • debtfreesomeday
    debtfreesomeday Posts: 1,824 Forumite
    Debt-free and Proud!
    I'm using Equifax, but have also checked experian in the past.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    debtfreesomeday wrote: »
    I'm using Equifax, but have also checked experian in the past.

    I would suggest check your experian file
    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
  • debtfreesomeday
    debtfreesomeday Posts: 1,824 Forumite
    Debt-free and Proud!
    I don't really want to pay for both - I have already had a free trial and have paid for the equifax file.
  • Moggles_2
    Moggles_2 Posts: 6,097 Forumite
    debtfreesomeday wrote: »
    I don't really want to pay for both - I have already had a free trial and have paid for the Equifax file.

    I agree with IG. We cannot be certain which credit card providers search a particular agency's files (lenders do not disclose this information), but it's known that most use Experian

    Your credit report is available for just £2 per paper copy. It arrives by post in 4-6 days. (For help, see page 1 of the *How to obtain credit reports* sticky.)
    People who don't know their rights, don't actually have those rights.
  • debtfreesomeday
    debtfreesomeday Posts: 1,824 Forumite
    Debt-free and Proud!
    But surely credit searches should be shown on both reports?
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    debtfreesomeday wrote: »
    But surely credit searches should be shown on both reports?

    Nope, lenders search Equifax, Experian OR both
    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
    Only monument search Callcredit only
    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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