Credit Reference Agencies - Really Use Who UPDATE II

victor-meldrew_4

debtdestroyer007 wrote: »

innocent is Studio part of JD Williams or SDG, or are they independant. cheers mate

they are independant.
you can have as many jd and sdg accounts as you want,not restricted to 1

never-in-doubt

RoverT wrote: »

Experian is shown as the agency in this thread.

mistakes do happen

never-in-doubt

Andy_Ches wrote: »

Innocent_Guy wrote: »

It doesn't show on Equifax or Callcredit...just the 1 search on Experian as Identification Generic Check

yea I have the same from Lloyds mate - on Equifax that is, nothing on Experian and don't bother about call credit so can't comment cos they are useless anyway!

never-in-doubt

debtdestroyer007 wrote: »

Name Limit
barclaycard platinum - 2200
Capital One 300
Halifax Classic 500
Barclays Bank account 100
TSB Classic account 0
Next catalogue 200
Littlewoods 750
Yorkshire Bank Gold Mastercard 3400
JD williams 500
Smile Credit card 1500

all this in 18 months

Is your YB the new card or was that someone else that recently applied....? They usually give limits with the card - its not often instant is it? was yours?

victor-meldrew_4

never-in-doubt wrote: »

Andy_Ches wrote: »

yea I have the same from Lloyds mate - on Equifax that is, nothing on Experian and don't bother about call credit so can't comment cos they are useless anyway!

do you think hsbc will use call credit more.
last month hsbc personal banker told me /corrected me and said they use all three now,?

Andy_Ches

debtdestroyer007 wrote: »

innocent is Studio part of JD Williams or SDG, or are they independant. cheers mate

Studio is a trading name owned by Express Gifts Ltd.

J D Williams & Company Limited is part of N Brown Group plc.

Shop Direct don't own either

Andy_Ches

victor-meldrew wrote: »

never-in-doubt wrote: »

do you think hsbc will use call credit more.
last month hsbc personal banker told me /corrected me and said they use all three now,?

Not sure, I was surprised HSBC searched my callcredit file.

never-in-doubt

victor-meldrew wrote: »

never-in-doubt wrote: »

do you think hsbc will use call credit more.
last month hsbc personal banker told me /corrected me and said they use all three now,?

Well they do sometimes but tbh it doesn't worry me cos f they ever used them and declined me, i'd go in armed with an Experian one which lets say stands more stead in the respect stakes :rolleyes:

never-in-doubt

Andy_Ches wrote: »

victor-meldrew wrote: »

Not sure, I was surprised HSBC searched my callcredit file.

yes it's a new thing, they are using all 3 apparently - its cheaper to use CC than Equifax then expensive Experian.... therefore I think if you have a high behaviour score they may search the cheaper option whereas a full search for new products may be used via experian/equifax......

there is logic in a weird way.....

debtdestroyer007

no i rang them up, to chase ..... said i was going on holiday could use it for......
a very helpful advisor;) said the limit would be 3400!!!

the application usually wud give an instant decision but in my case it was referred

dont have the card on me yet... but i am sure thats what wud come with the card

helps to have the brothers at the other end ...lol