Credit Reference Agencies - Really Use Who UPDATE II

Innocent_Guy

sutton111 wrote: »

Noah my Brother checked his Experian file yesterday and Next Directory also search Experian, not only Equifax.

Also He applied for a HSBC Plus account and they searched both Experian and Equifax. I thought I would share the news with you.

When I had my financial review I only had an Experian Check

naijapower

I was under the impression that Next search Equifax only

debtdestroyer007

naijapower wrote: »

I was under the impression that Next search Equifax only

the funny thing is they did a serach on me but its not a full credit check:

its come up as a subsequent or follow up inquiry...... 1 less search to worry about:rotfl:

Innocent_Guy

debtdestroyer007 wrote: »

the funny thing is they did a serach on me but its not a full credit check:

its come up as a subsequent or follow up inquiry...... 1 less search to worry about:rotfl:

Well done lucky you!

sutton111

naijapower wrote: »

I was under the impression that Next search Equifax only

I thought the same but no they search both Equifax and Experian.

It maybe they use Equifax first and if there isn't enough information they search Experian.

Innocent_Guy

Glad they never checked my Experian

sutton111

Innocent_Guy wrote: »

Glad they never checked my Experian

And mine. :eek:

debtdestroyer007

just applied for littlewoods... accepted £750 limit. they checked equifax: here is the response.....:j:j:j:j:j

We are delighted to tell you that your application for an account from Littlewoods has been successful. To help you start shopping right away we have given you an initial credit limit of £750.
Your new Customer Account Number is: xxxxxxxx. Please remember to quote this if you contact us by phone. When you visit us online you can use either your account number or your email address (together with your password) to log on and enjoy the benefits of shopping online with Littlewoods.
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As you have now opened an account with us, you may like to enjoy the benefits of our Shopping Insurance.
Shopping Insurance offers you peace of mind should the unexpected happen. Not only can it protect most of your purchases for 3 years, it could cover your Account payments too!
For full Shopping Insurance benefits and Terms & Conditions please refer to the Help and Services section of our website, Help & Services
More Choice - The High Street On Your PC
When you need something, just go online 24/7. Our website is updated regularly with the latest product ranges, lowest prices and special offers.
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You can also access your account online with 'My Account'. This will give all the information you need to manage your account.
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As well as free 48 hour delivery, you can choose to have your purchases delivered when you are in. And, if what you've ordered isn't quite right, then we will replace or refund most items, provided they are returned unused and in their original packaging within 14 Days.
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We hope you enjoy your online shopping experience with Littlewoods and we look forward to hearing from you again soon.
Kind regards,
Jeanette Clennell - Online Customer Service Manager

Andy_Ches

I have been with HSBC for many years and recently applied for their credit card.

They only searched Callcredit for this application.

Rose123

Aqua didnt search my equifax report, just experian!