Sub Prime Credit Card Club

kpnut79

Hi I have just had an alert on my Equifax file, so i've checked it out and it says:

New Credit Agreement

New Information

Company AIBP0019

Then it give alot of x's and four digits.

Any one have any ideas as to who this company is? I do have a search from Barclaycard on the 14/11/08 and I applied for the Argos card yesterday..so could it possibly be one of these?

However this is not showing on my experian file as yet!!

sharon-lalala

c8ndice wrote: »

Well I have just applied for a flex account with the nationwide, and have finally been accepted.

Four months ago they wouldn't even upgrade the accounts I already have (both with the cash cards) yet I have held these accounts for over 3 years.

It will be nice to finally have the proper debit card!

Well done on that.:beer:

I also have the cash card and overdraft of 1k joint with partner but do you know what they turned us down for the debit card. Crazy, i dont understand it -my partner has banked with them for over 12 yrs.:mad:

c8ndice

It's silly isn't it?

They have always turned me down for an upgrade, and I was actually going to close the accounts once I'd taken my mums money out of my e-savings.

I have no idea what was different about this time. My credit report isn't any better than it was 4 months ago. Infact I would say it is worse due to the amount of searches on there.

sharon-lalala

[Any one have any ideas as to who this company is? I do have a search from Barclaycard on the 14/11/08 and I applied for the Argos card yesterday..so could it possibly be one of these?

quote]
Not sure but if you applied to Argos yesterday then thats mighty quick as im assuming they have set up an account for you.:j

sharon-lalala

I think youve done well because if i remember rightly from other posts, they are not very free with their debit cards!
They must like you!!!!

c8ndice

sharon-lalala wrote: »

I think youve done well because if i remember rightly from other posts, they are not very free with their debit cards!
They must like you!!!!

lol, maybe they took pity on the fact that I've been unwell for the past few weeks... But I doubt it

Maybe if people apply for the account but say no to an overdraft that might help?

sutton111

kpnut79 wrote: »

Hi I have just had an alert on my Equifax file, so i've checked it out and it says:

New Credit Agreement

New Information

Company AIBP0019

Then it give alot of x's and four digits.

Any one have any ideas as to who this company is? I do have a search from Barclaycard on the 14/11/08 and I applied for the Argos card yesterday..so could it possibly be one of these?

However this is not showing on my experian file as yet!!

well done give experian a ring and ask them who the company is. Or ring the two companies in questions and find out.

bankbars

hi there ,
if you think the alerts is from the place where you had applied for agro card, then just inform them, if they agree with it, then it's fine or else that alert was just a spam. and forget it.

Regards

kpnut79

bankbars wrote: »

hi there ,
if you think the alerts is from the place where you had applied for agro card, then just inform them, if they agree with it, then it's fine or else that alert was just a spam. and forget it.

Regards

Hi,

How do you get a spam alert on your CRA?? and not only that a new credit agreement has been set up aswell..so for it to be Spam is very doubtful!

I have never heard or been informed of that happening before

sharon-lalala

Me neither, dont you have to have given previous consent for any credit company to search your file?