Barclaycard pre-application approval

LeeSouthEast

BC check Experian.. seem to have done since at least January 2009 (when I got mine).

~Chameleon~

Yep, I can actually confirm that Barclaycard searched my Experian file this time too!!

never-in-doubt

izools wrote: »

That's very perculiar indeed! I think you're the first ever person to report Barclaycard as searching experian!

No mate - I said to you before they search Experian - I have it on mine for Thomas Cook card....

Remember things change, you need to keep up to date - also, gone are the days where you can say XXX only searches XXX CRA - nowadays they are all searching any of the 3 as, they have a right to.

izools wrote: »

Experian are never searched by Barclaycard in conjunction with an application.

Just so everyone's clear

Yes matey - Experian are used by Barclaycard!

Just so you're clear

izools

in that case the "Who uses Who" thread needs updating.

I'm still doubtful until someone pastes in a Barclaycard search taken from a creditexpert membership.

~Chameleon~

izools wrote: »

in that case the "Who uses Who" thread needs updating.

I'm still doubtful until someone pastes in a Barclaycard search taken from a creditexpert membership.

I've just checked my files and the search is there!!!!!

izools

~Chameleon~ wrote: »

I've just checked my files and the search is there!!!!!

Checked via who?

I'm happy to stand corrected if I see some evidence and I don't mean to suggest anyone is lying but possibly mistaken.

I've never experienced Barclaycard searching Experian. They never have with me, or my ex, or anyone else I know personally that I've referred on to them. Just EQ.

That includes applications made right up until this January

never-in-doubt

izools wrote: »

in that case the "Who uses Who" thread needs updating.

I'm still doubtful until someone pastes in a Barclaycard search taken from a creditexpert membership.

The who searches who thread is a guide mate, as I said the lenders have cottoned on and they now share between all 3 and this includes checking any of the 3.... Look at HSBC, for most internal lending they check CallCredit - yea, I wish!

The point is asking for proof does nothing cos it is fact - Barclays advertised last June or July that they'd broken from Equifax as preferred partners as 'a business need to evolve' - make of that whetever.

Unfortunately you're asking for proof of people a lot more knowledgeable than you in this field..... I told you a few months ago they searched me but couldn't be arsed arguing with the doubters - there were a few TBH.

Edit - IIRC I think it was CashFlow who told me they did and I argued with him until I found out the truth, that he was right, as I had a Barclays search of my own on my Experian ...

never-in-doubt

~Chameleon~ wrote: »

I've just checked my files and the search is there!!!!!

Thanks - From the horses mouth so to speak. :rotfl: :rotfl: :rotfl:

izools

Okies, fair enough mate, I'm not trying to undermine anyone's knowledge or suggest anyone is lying, I just like to be confident in the information I'm taking on board before I put it back out there again

A precaution I'm sure you'll appreciate :beer:

... This humble pie needs some custard ...

never-in-doubt

izools wrote: »

A precaution I'm sure you'll appreciate :beer:

... This humble pie needs some custard ...

hehe - mate I just added on my last post, I done the exact same thing a while ago - I was sure it was CashFlow (maybe that was Crappy1 though) I can't remember - but then he was right, I was wrong - we all make mistakes mate.

I have some custard going if you want it - its left over from my humble pie experience :rotfl: :rotfl: :rotfl: