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Credit Reference Agencies - Really Use Who UPDATE II

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  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Andy_Ches wrote: »
    I have been with HSBC for many years and recently applied for their credit card.

    They only searched Callcredit for this application.

    what? only call credit?

    Can anyone from HSBC confirm this as I was always told they use Experian with an Equifax soft search follow up...?
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    what? only call credit?

    Can anyone from HSBC confirm this as I was always told they use Experian with an Equifax soft search follow up...?
    Dont even think about it!
    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
    Innocent_Guy wrote: »
    Dont even think about it!

    Mate i've got an active application in progress with HSBC as my first direct will probably decline I done that as a back up - just waiting for answer lol
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    Mate i've got an active application in progress with HSBC as my first direct will probably decline I done that as a back up - just waiting for answer lol
    Have you called either one?

    Did they only check Callcredit?
    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
    Innocent_Guy wrote: »
    Have you called either one?

    Did they only check Callcredit?

    No need to mate, I went into branch today and they told me its with underwriting and to wait so I have to wait, 1st direct have not got my forms back yet - its been a week but i'm not confident cos I think they only approved me due to my internal score, I don't think they have done an external search on me just yet!

    I will apply for a HSBC overdraft and loan in the next month and that's it then - just to see if they give it to me LOL thus my date in signature is end of November!
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    No need to mate, I went into branch today and they told me its with underwriting and to wait so I have to wait, 1st direct have not got my forms back yet - its been a week but i'm not confident cos I think they only approved me due to my internal score, I don't think they have done an external search on me just yet!

    I will apply for a HSBC overdraft and loan in the next month and that's it then - just to see if they give it to me LOL thus my date in signature is end of November!
    You could have done all of them in 1 search with HSBC like me!
    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
    Innocent_Guy wrote: »
    You could have done all of them in 1 search with HSBC like me!

    I know I messed up lol, but I thought HSBC still guaranteed products...
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    I know I messed up lol, but I thought HSBC still guaranteed products...
    Plonker!! ( Innocents saying )

    divvvvyyyy ( NID's saying )
    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
  • Rose123
    Rose123 Posts: 397 Forumite
    edited 22 May 2009 at 4:16PM
    HSBC used to use only Experian. They always use experian for new customers and sometimes equifax for more info.

    If you're an existing customer applying for another credit facility, then they might use any of the three
    Official SOS Club number 014 - Dry until 29.11.09
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    Can anyone confirm DEFFO who they are currently searching.

    Callcredit seems to be popping up alot recently.
    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
This discussion has been closed.
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