Barclaycard soft search 'cannot find information' - tho agencies can?

Anandamide

Hi

I'm new to the forums and have tried to search for this issue but can't find it - sorry if it's a repeat question!

After finally getting into stable employment and paying off a huge whack of my CC debt with a PPI payment, I find my credit 'score' (yeah, I know) has hugely improved (no missed payments for 20 months, credit utilisation down to 35%, on electroal roll, etc). What CC debt I have I'm looking to move to a 0% card.

Soft searches carried out on Clearscore, MSE, etc come up no problem, and MSE recommend I'm 70% eligible for some very attractive Barclaycard offers.

However, on nipping over to Barclaycard to do a similar check, I'm told they cannot find my information.

Similarly, when heading over to HSBC, I'm told they 'need more information' and can't complete the check.

I am aware that lenders use / need more information than is given by reference agencies, and that soft searches are a gentle frisk rather than a full pat-down (as it were). While I am now working full time, this has only been the case since September; will this be showing on the file and causing them pause?

Has anyone else had this issue, or any idea why there's a discrepancy here? I am obviously loath to do a full application unless it's a last resort.

Cheers

[Deleted User]

Anandamide wrote: »

While I am now working full time, this has only been the case since September; will this be showing on the file and causing them pause?

Your employment won't be showing at all.

bengalknights

Are you on all CRA agencys they maybe using equifax or callcredit to check

Anandamide

Thanks for the replies guys.

I can find myself on Experian and Equifax, as wel as MSE Credit Club, Clearscore and Noddle, so I think that's all bases covered