TSB account declined

masonic

NorwichMan said:

Strangely, whilst there are two soft searches from TSB now showing, there is no hard search on my files from any of the CRAs.

That's not very strange, TSB tend to use TransUnion for hard searches, at least for current account applications. When I opened mine, I had a soft search on Experian, nothing on Equifax and a hard search on TransUnion. Different banks use different CRAs, and it is common to see a hard search at one or two and soft searches at the others. Soft search may be used for a provisional decision, with a follow-up hard search done a day or two later. Some offers are made provisionally while checks are completed in the background.

WillPS

I have the Experian identity alert thing - again I don't and wouldn't pay for this, it was given as a result of a hack affecting one of my service providers. In fact another one has also recently offered the same for the same reason.

It confirmed that TSB did a hard search on me when I applied for an account yesterday (but nothing when I applied for a second a few minutes later, as expected).

NorwichMan

masonic said:

NorwichMan said:

Strangely, whilst there are two soft searches from TSB now showing, there is no hard search on my files from any of the CRAs.

That's not very strange, TSB tend to use TransUnion for hard searches, at least for current account applications. When I opened mine, I had a soft search on Experian, nothing on Equifax and a hard search on TransUnion. Different banks use different CRAs, and it is common to see a hard search at one or two and soft searches at the others. Soft search may be used for a provisional decision, with a follow-up hard search done a day or two later. Some offers are made provisionally while checks are completed in the background.

Thanks - no searches from TSB showing on either TransUnion or Equifax as of today but maybe they will show up at some point. Thought I might have got away without a new hard search for a declined application.