PC World and Currys instant credit

love_the_messenger

Anyone purchased from Currys or PC World using their finance packages?

cally6008

Yes, I have.

What's the problem ?

love_the_messenger

cally6008 wrote: »

Yes, I have.

What's the problem ?

I'm considering making a purchase and wondered what their finance packages are like, which CRA they use, how stringent etc.

What's your experience been like?

cally6008

HFC finance, not very stringent, need something with address on and bank card, they do regular old finance, 6 months interest free etc etc

Jakg

It's done by HFC, it's not amazingly tough (usually if your a full UK resident you'll be fine). If your worried but down a bigger deposit as it boosts your chances of being accepted.

Cash_Flow

love_the_messenger wrote: »

I'm considering making a purchase and wondered what their finance packages are like, which CRA they use, how stringent etc.

What's your experience been like?

I was declined last night, PC World Currys and Dixons use HFC (HSBC) for finance, they used Experian for the credit search.

My file credit file has too many searches though so maybe you will have more luck;)

love_the_messenger

Thanks! I don't have any naughties on my CRA but I have a stupid amount of searches.

Do both Currys and PC World use HFC?

cally6008

Yes they both use HFC

love_the_messenger

Cash_Flow wrote: »

I was declined last night, PC World Currys and Dixons use HFC (HSBC) for finance, they used Experian for the credit search.

My file credit file has too many searches though so maybe you will have more luck;)

I have a lot of searches as well. How many do you have? lol

Jakg

Yes - they use the same till system (Eclipse) hooking up to HFC.

The only difference between the two is the logo in the corner!

Cash_Flow

Jakg wrote: »

It's done by HFC, it's not amazingly tough (usually if your a full UK resident you'll be fine). If your worried but down a bigger deposit as it boosts your chances of being accepted.

(usually if your a full UK resident you'll be fine):rolleyes:

Maybe pre credit crunch yes, but not in the world we live in today.