Curry's credit search - who do they use?

danielanthony

Hi,

I'm thinking of getting a TV on Currys buy now - pay in 12 month credit option. Does anyone know what CRA(s) they use?

Thanks,

Dan

cooltt

had a TV off them last month, search only showed on Equifax, nothing on Experian.

Cash_Flow

danielanthony wrote: »

Hi,

I'm thinking of getting a TV on Currys buy now - pay in 12 month credit option. Does anyone know what CRA(s) they use?

Thanks,

Dan

HFC finance who are a sub division of HSBC and when I applied my Experian credit file was searched.

safc118

Yeh they use HFC for all of their terms

If you take the buy now pay later you take a 37 month term but the 1st 12months payments are deffered and also intrest free.

So the idea is you pay off within the first 12 months (you can pay at any time and you can also setup a monthly standing order so everything is paid off regular) you wont have to pay any intrest.

However there is a early settlement fee of £25 so technically the £25 is your intrest

The buy now pay later is for anything over £249 and also covers for multiple items in store.

According to POS in store must be 18 / earn over 10,000 PA / no CCJ's

:money: