Credit report advice...

brid13th

Wondering if anyone can help say whether or not i'm likely to get credit at the moment.

Firstly, I have experian and equifax reports, I appear on the electoral roll on the equifax one, but although I've phone up and ensured my details are all correct on the experian, it's taking ages to come through, so it just says "no names listed" currently.

Both reports say different things, Equifax shows my mint card which has a £450 limit, and currently about £100 to pay off. No late payments/defaults etc. Also weirdly lists my current account with natwest only at my previous address. I have a 600 overdraft with this account but it says credit limit it £0

Time before last that I looked, Experian only showed up my mint card, however I've just checked it today, and the mint one has disappeared and it now shows up my Tesco (£1300 limt, £512 used) and Natwest (£1250 limit, £1100 used) cards which previously didn't show. My current account isn't meantioned anywhere. Again there's no late/missed payments or anything "bad" on this report either. There's no recent searches for anything other than the agencies themselves on either report.

Would really like to get another card with a balance transfer promotion to transfer some of that debt over to, but not really sure if I have much of a chance. Any advice here would be really appreciated, thanks in advance.

izools

Given you only appear on the ER on your Equifax file, I'd recommend applying for a balance transfer from a credit card company that exclusively search them and not Experian.

A few search both, but Barclaycard and Sygma cards only search EQ.

Give Barclaycard a shout, you can use their eligibility checker for a guide on which card you might be accepted for

https://letmechoose.barclaycard.co.uk/

Good luck, and keep us posted

brid13th

Many thanks for this.... have done the barclay card thing and they reckon I have a 60-70% chance of getting the platinum card. Balance transfer deal is 15 months which would be fantastic. Does this seem like a good bet?

izools

Yeah if you wanted to be more sure of acceptance you could apply for the gold which has a lower pass mark, but 19.9% APR and 12 months interest free not 15.

Your choice, although if the eligibility checker suggested platinum not gold it would seem Platinum is the one to go for...

brid13th

They didn't show me the gold one, I did think it was kind of odd that they offered the platinum, I only earn 19k, always thought you had to be on a higher salary for them. 12 months would give me plenty of time to pay all of that of, so it would be a safer bet t go for that one?

brid13th

Had an email off them today saying I'd be approved for the gold card with a £3660 limit so I'm delighted. Thank you so much for your help :j

izools

brid13th - WELL DONE!!!

By the way, after six months or a year of good payment history, the Barclaycard Retentions team should reduce your APR down from 19.9% to something more in line with what you've had already

sscott5581

izools wrote: »

brid13th - WELL DONE!!!

By the way, after six months or a year of good payment history, the Barclaycard Retentions team should reduce your APR down from 19.9% to something more in line with what you've had already

Yes this happened when I phoned the other day, APR reduced from 27.9% to 19.9% basically an upgrade from initial to classic card, was told after a further six months of perfect use another upgrade could be asked for up to gold/platinum

WillF_2

You were lucky because it's well known that Barclaycard use EXPERIAN and not Equifax.

:beer:

boxer691

You was also lucky that National Hunters Limited didnt get involved, they could have really screwed you up

izools

WillF wrote: »

You were lucky because it's well known that Barclaycard use EXPERIAN and not Equifax.

:beer:

Don't know where you're getting your facts from mate, Barclaycard use Equifax for credit searching applications and Call Credit for the pre-application checker.

It's Barclays bank that use Experian.

I've had two Barclaycards in my time, one I got in 2005 - Equifax, and the one I got in November - Equifax.

Think you should have a look at the "Who really uses who?" thread