Credit Reference Agencies - Really Use Who UPDATE II

never-in-doubt

Brian1966 wrote: »

I have 4 accounts as you know and all 4 searches are Experian..nothing..unrecorded or otherwise on Equifax or Call credit... The account conduct is reported though..
Also...043775..just out of curiousity..on an earlier post you said that you can use Jacamo account number to sign into Jd Williams sites..YOU CAN'T..tried it yesterday and today...NOT an associated brand on credit accounts

Mate, for an employee, 043775 doesn't seem to be getting much right so I have already ruled out the obvious - if 043775 is an employee then i'm god! :rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:

I mean have you ever heard anything like it - invisible searches that they can do without us, the data subject knowing about? hahahahaha

Brian1966

043775 wrote: »

I dont think your understanding.

JD Williams can use all 3 CRAs im not saying they do in every case.

They might go for some customer but not others.

The only reason invisble credit search was mentioned so to speak was mentioned was becuase I used to work at Lloyds and in the system it used to have a function to credit search without footprinting.

This is a post from someone previously:

09-05-2009, 10:44 PM #13 noah271007


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Quote:


Originally Posted by Brian1966


Just a minor update..


Jd Williams group also report to Call Credit in addition ti Experian and Equifax.


Hope this helps

Amended...

Report account conduct..YES...not search...it was my post :rotfl:

Brian1966

never-in-doubt wrote: »

Mate, for an employee, 043775 doesn't seem to be getting much right so I have already ruled out the obvious - if 043775 is an employee then i'm god! :rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:

Ok father...AMEN ...FROM your loving son Jesus :rotfl:

never-in-doubt

Brian1966 wrote: »

Ok father...AMEN ...FROM your loving son Jesus :rotfl:

hehe - don't you try getting into my Mrs knickers you randy brian! Mary is a right fridge!!! :rotfl::o

Bet you'll find cobwebs - 10 pieces of gold says so?

never-in-doubt

043775 wrote: »

I dont think your understanding.

JD Williams can use all 3 CRAs im not saying they do in every case.

They might go for some customer but not others.

The only reason invisble credit search was mentioned so to speak was mentioned was becuase I used to work at Lloyds and in the system it used to have a function to credit search without footprinting.

Mate the two people you quoted are both well known and liked on here and trust me, neither would agree with what you're saying. Brian has more JD accounts than humanly possible and Noah is a mate who also knows the way they work and trusts our judgement as we also know how it works - evidently more than you do!

Brian1966

never-in-doubt wrote: »

hehe - don't you try getting into my Mrs knickers you randy brian! Mary is a right fridge!!! :rotfl::o

Bet you'll find cobwebs - 10 pieces of gold says so?

Cobwebs... wondered what the stringy bits were between my teeth....So your Mrs is a fridge..that explains why the light came on when I opened your bedroom door :rotfl::rotfl::rotfl:

never-in-doubt

Brian1966 wrote: »

Cobwebs... wondered what the stringy bits were between my teeth....So your Mrs is a fridge..that explains why the light came on when I opened your bedroom door :rotfl::rotfl::rotfl:

Careful BB will get jealous and I don't want her hitting the holy [STRIKE]grail[/STRIKE] frail


hahahaha - thats funny, me like :rotfl::rotfl:

you crack me up mate - you should be on stage! :T

Brian1966

never-in-doubt wrote: »

Careful BB will get jealous and I don't want her hitting the holy [STRIKE]grail[/STRIKE] frail


hahahaha - thats funny, me like :rotfl::rotfl:

you crack me up mate - you should be on stage! :T

Dont' know about on the stage...I'm normally UNDER the bed when HUBBY comes home early :rotfl::rotfl:

PROLIANT

AMEX and V12 Finance do invisible searches, I have been informed by AMEX that this is normal and legal, V12 who approved me for over £1000 in finance, quoted all of my credit accounts and my CIFAS during security, no credit search from either.
If it was illegal then they would not do it, anyway, this is a good thing, less foot-prints on our files eh?

never-in-doubt

PROLIANT wrote: »

AMEX and V12 Finance do invisible searches, I have been informed by AMEX that this is normal and legal, V12 who approved me for over £1000 in finance, quoted all of my credit accounts and my CIFAS during security, no credit search from either.
If it was illegal then they would not do it, anyway, this is a good thing, less foot-prints on our files eh?

I still doubt its validity mate but I don't doubt you, now i'm just curious to see what the ICO say about it cos it isn't right - nowhere in any terms do we authorise 'invisible searches'.

However, I do agree with the concept of it if they were used the right way, but knowing most lenders they will abuse it and perform full searches against us without knowledge?

I am reading the ICO guidance and it always refers to 'authorised searches' and unauthorised searches must be noted by way of footprints. I cannot see any provision for these invisible searches mate - this could open a can of worms.....

Sorry i'll rephrase from legal to lawful.