Credit Reference Agencies - Who Really Uses Who? II

paulmcerlean

never-in-doubt wrote: »

No - Monument were the only ones to exclusively search CallCredit.

They are least used cos they are !!!!!! - put bluntly!

V12 finance exclusively search CallCredit.

never-in-doubt

paulmcerlean wrote: »

V12 finance exclusively search CallCredit.

sorry didn't think we were speaking about restricted store credit from one shop - but yea, apparently they do

Regards to cards/loans etc then nobody searches CC exclusively....

PROLIANT

Moneyway (Secure Trust Bank) search Equifax exclusively, they do not do a full search only seem to do a Credit Search Quotation like Zopa, unfortunately you can only apply via https://www.thelendingwizard.com who have all of the scoring/underwriting criteria for their panel of lenders and tell you who will lend to you, so if you don't get referred then you have no chance of applying directly.

never-in-doubt

PROLIANT wrote: »

Moneyway (Secure Trust Bank) search Equifax exclusively, they do not do a full search only seem to do a Credit Search Quotation like Zopa, unfortunately you can only apply via www.thelendingwizard.com who have all of the scoring/underwriting criteria for their panel of lenders and tell you who will lend to you, so if you don't get referred then you have no chance of applying directly.

Hiya

Is this lending wizard any good then? Do they like perform 100 searches - how does it work Pro?

Cheers matey :beer:

Have you been succesful with your loan yet?

PROLIANT

never-in-doubt wrote: »

Hiya

Is this lending wizard any good then? Do they like perform 100 searches - how does it work Pro?

Cheers matey :beer:

Have you been succesful with your loan yet?

The lending wizard do a search for each of the lenders on their panel, not a full search just a quotation search (the way it should be) then the score your application and tell you which lender will lend to you.

No I have not been successful in getting a loan, will have to wait at least another 6 month for searches to drop off. :cool:

never-in-doubt

PROLIANT wrote: »

The lending wizard do a search for each of the lenders on their panel, not a full search just a quotation search (the way it should be) then the score your application and tell you which lender will lend to you.

No I have not been successful in getting a loan, will have to wait at least another 6 month for searches to drop off. :cool:

Cheers mate - I just completed the form and got told to beggar off! Charming, good job I don't need a loan innit!! :rotfl: :rotfl: :rotfl:

noah271007

I just discovered HSBC search Experian AND EQUIFAX for credit limit increase requests via phone - a day after my application at branch was successful!!

Innocent_Guy

noah271007 wrote: »

I just discovered HSBC search Experian AND EQUIFAX for credit limit increase requests via phone - a day after my application at branch was successful!!

Have you got an increase?

Innocent_Guy

First Direct, Experian.

noah271007

Innocent_Guy wrote: »

Have you got an increase?

No...I made the request a day after i was successful getting HSBC credit card....HSBC asked me at branch how much CL i want...i said £500 and was approved. However i realised it was too low so i requested an increase of £500 to £1,000 CL the day after on the phone but was told it will be treated as a new credit application and got declined due new account just opened the previous day!! It is an understatement that i was !!!!ed off!!