The Sub Prime Credit Thread - Part V

marilyna

Just had a look at my Callcredit report.

The only searches on my Call credit file are from HSBC . What I don't understand is they do two searches on one day, one search being an administration review.:mad: I have 6 searches on there, and they are all HSBC, from way back when:mad:

My HSBC loan hasn't been updated on there either for two months. So clearly HSBC is not updating the CRAs when I make my payments each month. Yet I am sure if I were to default it would be on there. I noticed on there, and on Equifax, it shows when I go into my overdraft on my current account:mad: Now that, surprisingly enough is kept up to date on the report.

Noone else seems to search Callcredit at all.

fairmorn308

onefortheroad wrote: »

the offshore banks give info to hmrc of anyone who lives in uk and they have to give the info by law

I understand BUT does it show on a general credit search like normal bank accounts?

PARIS_5000

marilyna wrote: »

Just had a look at my Callcredit report.

The only searches on my Call credit file are from HSBC . What I don't understand is they do two searches on one day, one search being an administration review.:mad: I have 6 searches on there, and they are all HSBC, from way back when:mad:

My HSBC loan hasn't been updated on there either for two months. So clearly HSBC is not updating the CRAs when I make my payments each month. Yet I am sure if I were to default it would be on there. I noticed on there, and on Equifax, it shows when I go into my overdraft on my current account:mad: Now that, surprisingly enough is kept up to date on the report.
Noone else seems to search Callcredit at all.

I have a HSBC overdraft and credit card and they update my Experian and Equifax every month. My overdraft has always shown on my credit file because I have a student/graduate account.

I would not worry about CallCredit because Experian and Equifax are the main ones that people look at and I never check CallCredit.

Whats a administration review search ?

marilyna

The strange thing is my overdraft is updated, but my personal loan isn't. The balance for my loan is two months out of date.

I have no idea what an administration review search is, I was hoping you would know.

It seems that HSBC only leave searches on Callcredit. No evidence of them on Experian or Equifax.

PARIS_5000

marilyna wrote: »

The strange thing is my overdraft is updated, but my personal loan isn't. The balance for my loan is two months out of date.

I have no idea what an administration review search is, I was hoping you would know.

It seems that HSBC only leave searches on Callcredit. No evidence of them on Experian or Equifax.

I am not sure but I think that a administration review search may have something to do with your loan.

Does Callcredit have questions and answers section that you can look up adminstration search ?

marilyna

It has a FAQ page, but nothing with those terms under it. The other thing I can't understand, is why when HSBC are doing a search, they do two on the same day????:mad: Anyway, as you say, no other lender seems to go on there.

PARIS_5000

marilyna wrote: »

It has a FAQ page, but nothing with those terms under it. The other thing I can't understand, is why when HSBC are doing a search, they do two on the same day????:mad: Anyway, as you say, no other lender seems to go on there.

Are they unrecorded searches if they are I would not worry because only you can see them not lenders.

marilyna

No, they are recorded searches:mad:

The other thing that is puzzling me is when I applied to JD Williams, I had also applied to Next. Both of them have not made any searches on either Experian or Equifax. So, it was straight decline without a credit search.

I guess one way of looking at it, is I haven't wasted those two searches.

PARIS_5000

marilyna wrote: »

No, they are recorded searches:mad:

The other thing that is puzzling me is when I applied to JD Williams, I had also applied to Next. Both of them have not made any searches on either Experian or Equifax. So, it was straight decline without a credit search.

I guess one way of looking at it, is I haven't wasted those two searches.

Maybe contact CallCredit and ask them to explain the searches.

marilyna

I will do that.