Credit Reference Agencies - Who Really Uses Who? II

stclair

inkslinger wrote: »

I take it for any reason if any information came to them much later on as to why they shouldnt have offered you an account in the first place, but had and you had been running it for months OK they would still close it?

Banks can be unpredictable theres been posters on MSE who have had accounts with there banks for years then at random they get a letter regarding account closure etc.

inkslinger

Ahhhh Thank you. I guess I ought to keep me head down for a while lol.

stclair

inkslinger wrote: »

Ahhhh Thank you. I guess I ought to keep me head down for a while lol.

Yes you keep a low profile Inkslinger :rotfl:

Curt.

Not that i have much more to add to this at the moment but i would like to see this thread stickied, if anyone can do it? Excellent work by all...

Experian_company_representative

Many lenders check with more than one CRA these days.

Its-A-New-Age-Thing

Experian_company_representative wrote: »

Many lenders check with more than one CRA these days.

thanks for that mate none of us who read this thread would of ever worked that one out

CHEERS

:T

karatedragon

izools wrote: »

I was declined for a Natwest account earlier in the year. I have a spotless Equifax report and a ruined Experian report.

I applied online, they searched Equifax, said I'd been approved chequebook card etc, sent through an agreement to sign and return and they'd open the account.

Got a letter a week later to say they've opened the account - and another from the AVU to say they closed it! Both on the same day! The AVU had searched Experian after I returned the signed agreement for an "Approved" account

Didn't you apply for a Coventry First Account LMAO!

They do that - send you a Telephone PIN and stuff then send the cheery-oh letter when they check you out.

It's like leading you up the garden path then kicking you off the doorstep.

Are you doing the rounds of banks at the mo?

izools

karatedragon wrote: »

Didn't you apply for a Coventry First Account LMAO!

They do that - send you a Telephone PIN and stuff then send the cheery-oh letter when they check you out.

It's like leading you up the garden path then kicking you off the doorstep.

Are you doing the rounds of banks at the mo?

Lol yeah I applied for Natwest in Feb and Coventry a couple of weeks ago. Just those two. Natwest was more of an experiment than anything else to see how their AVU works.

Coventry did similar yes sending me the telephone banking PIN then saying NO; Natwest went even further by giving me an account number and sort code and then saying NO :P

It's OK though I seem to have got on the right side of LTSB now so I'm kinda glad the others said no, blessing in disguise

paulmcerlean

izools wrote: »

Lol yeah I applied for Natwest in Feb and Coventry a couple of weeks ago. Just those two. Natwest was more of an experiment than anything else to see how their AVU works.

Coventry did similar yes sending me the telephone banking PIN then saying NO; Natwest went even further by giving me an account number and sort code and then saying NO :P

It's OK though I seem to have got on the right side of LTSB now so I'm kinda glad the others said no, blessing in disguise

At least until next month anyway :j

izools

paulmcerlean wrote: »

At least until next month anyway :j

Don't jynx it! Seriously... But it's interesting it happened when it did. My ex and I used to hold a joint account with LTSB which we opened a few years ago. A couple of months later we closed the joint account but kept our sole accounts. Just last month my ex closed his LTSB current account so he no longer has any products with them, and BINGO! my CPD marker drops off for the first time since the account was opened. I think LTSB may have been linking us despite my going through a notice of dissasociation with the CRAs and not holding joint products. Can't be sure, but it's quite a coincidence...