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Credit Reference Agencies - who uses who discussion
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Six years from the date of default, when did this happen?scannerman wrote: »can anyone tell me how long a credit card company has to register a default on a persons credit file as i think four years after the default must be wrong.Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.0 -
so abby use experian only ??0
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so abby use experian only ??
I was just coming to ask the same question as I want to apply for Abbey Zero card but I've recently closed two cards with substantial limits and don't know how long they will take to show up as settled on Experian.“You can please some of the people some of the time, all of the people some of the time, some of the people all of the time, but you can never please all of the people all of the time.”0 -
About 4-6 weeks from date of settlement.Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.0
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RBS seem to be a strange one....
It would appear that if you apply online (thru direct banking) for any credit product you will be searched against equifax there and then, and depending on that result given a rejection or agreement.
Sometimes though, for example for loans, if you then send in the paperwork, a further search against experian will be carried out.0 -
~Chameleon~ wrote: »I was just coming to ask the same question as I want to apply for Abbey Zero card but I've recently closed two cards with substantial limits and don't know how long they will take to show up as settled on Experian.
I can confirm Abbey only use Experian.0 -
Any ideas who O2 use to do credit checks?0
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who do Orange and Littlewoods catalogue use?0
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Littlewoods definitely use Experian, no idea about Orange.“You can please some of the people some of the time, all of the people some of the time, some of the people all of the time, but you can never please all of the people all of the time.”0
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