Credit cards that use Experian for hard search only

poohjj

Hello,

im trying to apply for a balance transfer card to transfer my balance. I’ve been pre approved for around 4 however I’m wondering if anyone knows any credit card companies that search Experian only.

I have an incorrect linked address that is affecting my credit score right now on transunion and Experian. I have disputed both of them but don’t know how long it will take.

firstly does anyone know if a linked address will lead to me being declined? Secondly does anyone know any credit card companies that hard search Experian only.

I heard virgin does but can confirm.

Brie

I thought that all companies do hard searches for CC applications.  Each company may have their preference of who they use.

What's the issue with the address?  

Whatever the answers to your questions ensure that you apply for a card that is NOT in the banking group of whatever card you want to BT with.  So don't pick NatWest if it's an RBS card etc.

Nasqueron

An incorrect address may be neither here nor there with an application, people have credit records, not addresses. The fake "score" can be ignored. Any issues on your credit history like defaults or late payments? In a way you may be overthinking it, if your record is ok and there are no debt issues, I'd just apply anyway

poohjj

No adverse credit at all. I’m just wondering if a linked address will affect anything? @Nasqueron hopefully I’m overthinking 

poohjj

Brie said:

I thought that all companies do hard searches for CC applications.  Each company may have their preference of who they use.

What's the issue with the address?  

Whatever the answers to your questions ensure that you apply for a card that is NOT in the banking group of whatever card you want to BT with.  So don't pick NatWest if it's an RBS card etc.

Hey @brie thanks for your reply.

There’s no issue with the address no adverse credit linked there It’s just incorrectly linked.

Am I over thinking? Will the linked address matter if there’s no adverse credit linked to it?

Nasqueron

You cannot have adverse credit linked to an address, period.

Credit records are individual, the only link is via a joint credit account e.g. a mortgage.

An incorrect address just might be a bit of an extra check or similar to find out why. You could add a notice of correction which will send applications to manual review normally and you an explain it. Make sure you read up on the pluses and minuses of doing this.

Brie

poohjj said:

Brie said:

I thought that all companies do hard searches for CC applications.  Each company may have their preference of who they use.

What's the issue with the address?  

Whatever the answers to your questions ensure that you apply for a card that is NOT in the banking group of whatever card you want to BT with.  So don't pick NatWest if it's an RBS card etc.

Hey @brie thanks for your reply.

There’s no issue with the address no adverse credit linked there It’s just incorrectly linked.

Am I over thinking? Will the linked address matter if there’s no adverse credit linked to it?

could be something as simple as someone with a similar name to yours lived there or a bank or whomever updated their systems incorrectly (24 Main St instead of 42).  But as someone else has already said it's the person not the address.  You could have moved into the house of a bankrupt and that shouldn't affect your credit as it's the history of your credit use not what happened in your house.