Equifax - Credit Card Application

xgingerx

Hi, I am looking to apply for a credit card, but ideally want to apply for one which only searches Equifax, why ? not because I have any adverse credit or missed payments but because my Equifax report is clear of searches in the last six months which maximises my rating when searches, where as Experian has several searches which does impact on you score and although you may say not by a lot sometimes you may get offered a slightly higher rate so to get the best card / rate I prefer to use equifax.

Any views would be appreciated but looking at the table looks like nearly all credit card companies use experian but am asking this in the hope someone might know??

Thanks

ps: At worst I would have to wait 5 weeks till my experian searches are removed but ideally wanted to transfer balances now and not in 5 weeks time.

lisyloo

Not having any searches can be worse than having some.

I'm not sure you can second guess the lenders (unless you work in their credit scroing department).

---lee---

This table shows which credit providers are used for checks on different cards:

http://www.stoozing.com/cards.htm