Experian vs. Equifax

danjaq2004

Does anyone know which one Capital One uses. It appears, from the first post, to be both..?

Thanks.

roaming_rhino

yes , you are correct I believe , on my last credit file searches with both equifax and experian , capital 1 used both

danjaq2004

Well, applied for the 'guaranteed' card, satisfied all the 'short list' criteria and I'll have to wait and see. The page (after I submitted my application) said they were unable to reach a decision there and then, and I'd hear from them within 10 days.

Here's waiting!

scotswarvet

bump

This is a very good thread which needs revitalised.....

Thanks everyone!

danjaq2004

Heard back from Capital One. Have been accepted, signed terms and conditions and waiting to hear what card I have been offered. Incidentally, was turned down by my bank for a card ...crazy!

They use Experian as well as Natwest though....why was I declined?!!

Walshy

Anyone know who M&S check for their credit card?

danjaq2004

Bluelady wrote:

Does anyone know which credit card companies, other than Marbles and Cahoot, search only Equifax?

I don't know and would like to hear the answer to that one myself...if anyone can help?

clarkey_2

Walshy wrote:

Anyone know who M&S check for their credit card?

They checked my application with Experian

charlie12

According to this, the M&S card is owned by HSBC. So, as clarkey said, and going by the list on this thread, they use Experian.

danjaq2004

Thanks for the info that Cahoot only use Equifax...based on that I was conditionally accepted for an account and credit card.

Will have to wait and see now.