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Credit Reference Agencies - Really Use Who UPDATE II

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  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    hehe - did you have a bender last night mate? :beer:
    a bender?????
    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
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    a bender?????

    a bender, a wild night, a night on the lash, a night on the town, a night in the pub, clubbing.....

    you know, a bender?
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    a bender, a wild night, a night on the lash, a night on the town, a night in the pub, clubbing.....

    you know, a bender?
    Yup! My mates hired a booth in the club - £600 the nuttas not very MSE!
    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
  • Andy_Ches
    Andy_Ches Posts: 420 Forumite
    Just going off the point, while I am thinking about it.

    My bro applied online for a Lloyds TSB Classic account, got all the info through, accounted opened etc...

    He got his credit reports the other the week and the search in only showing on experian...but not as a credit search...it shows as 'Identification Generic Check'.

    Which did surprise me that it wasn't a full credit check.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    Andy_Ches wrote: »
    Just going off the point, while I am thinking about it.

    My bro applied online for a Lloyds TSB Classic account, got all the info through, accounted opened etc...

    He got his credit reports the other the week and the search in only showing on experian...but not as a credit search...it shows as 'Identification Generic Check'.


    Maybe they fully searched Equifax and follow up on Experian?
    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
  • just applied for JD Williams and here is the response::j

    Registration Complete
    secure.gif
    Welcome to J D Williams. We have set up a customer account for you that you can use when dealing with us by website, post or phone , and you have £500 credit available to spend right away!*
    We will send you emails confirming your account number and password separately. Make sure you keep these as you will need them next time you visit the website.
    We hope you enjoy shopping with J D Williams!
    Please press the 'Continue' button to complete your registration.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    Anyone know what the essential mantience update then?
    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
    just applied for JD Williams and here is the response::j


    Registration Complete
    secure.gif

    Welcome to J D Williams. We have set up a customer account for you that you can use when dealing with us by website, post or phone , and you have £500 credit available to spend right away!*
    We will send you emails confirming your account number and password separately. Make sure you keep these as you will need them next time you visit the website.
    We hope you enjoy shopping with J D Williams!
    Please press the 'Continue' button to complete your registration.
    £500 - WOW thats a first, Well done
    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
  • RoverT
    RoverT Posts: 29 Forumite
    They generally do search Equifax, dunno who told you they use Experian...?
    Experian is shown as the agency in this thread.
  • Andy_Ches
    Andy_Ches Posts: 420 Forumite



    Maybe they fully searched Equifax and follow up on Experian?

    It doesn't show on Equifax or Callcredit...just the 1 search on Experian as Identification Generic Check
This discussion has been closed.
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