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kpnut79

sharon-lalala wrote: »

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

Yes and I am presuming that consent is given when you apply for credit so again i'm presuming it can't be spammed, but could possibly be encrypted for fraud if your not secure...I do not know if i'm correct, I am more than likely talking aload of B******s, but thats what I was told!

I do know that company's can use your CRA's for tracing purposes for example if you move house and try to evade your debts. But these apparently don't go against you for applications they are just noted on your file and stay there for 6 years like the defaults etc.

c8ndice

Quidco are now offering £20 cash back for a successful application for the Vanquis credit card

sharon-lalala

kpnut79 wrote: »

I do know that company's can use your CRA's for tracing purposes for example if you move house and try to evade your debts. But these apparently don't go against you for applications they are just noted on your file and stay there for 6 years like the defaults etc.

Yes thats right, Wescott put a trace on my Equifax file, i didnt find out til recently. They didnt find me until i contacted them. Useless tw*ts:rolleyes: :rotfl:

sutton111

sharon-lalala wrote: »

Yes thats right, Wescott put a trace on my Equifax file, i didnt find out til recently. They didnt find me until i contacted them. Useless tw*ts:rolleyes: :rotfl:

can other lenders see those tracers? does that stop you getting credit?

kiora

Just got an alert from Equifax, MBNA have done a search of my file is this normal.

hopeless_case_2

does anyone on here know who the car phone warehouse use for credit searches?

bankbars

kpnut79 wrote: »

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

hi there,
You got that credit agreement from Barclay card, so i would suggest you to inform them(Barclay) from where you gotthe card, so they might tell you the exact information.

Please let me know about this.

Regards.

kpnut79

bankbars wrote: »

hi there,
You got that credit agreement from Barclay card, so i would suggest you to inform them(Barclay) from where you gotthe card, so they might tell you the exact information.

Please let me know about this.

Regards.

HI,

I do not know for sure it was from Barclaycard!

What I was saying was there was reference to a new credit agreement being placed on my file on 20/11/08 and I had a search from Barclaycard on the 14/11/08 so was it a possibility that the agreement was from barclaycard. However I had also applied for the Argos card on the 19/11/08. What I couldn't work out was the company name as it was a reference rather than a name that was given on my file.

I am just going to wait and see over the next week or so and see if anything comes through the letterbox

kpnut79

sutton111 wrote: »

can other lenders see those tracers? does that stop you getting credit?

I am presuming they can as they are footprints, but I was told that although they stay on your account for 6 years like defaults they are not taken into account when a company looks at your file. :T

louiser123

kpnut79 wrote: »

HI,

I do not know for sure it was from Barclaycard!

What I was saying was there was reference to a new credit agreement being placed on my file on 20/11/08 and I had a search from Barclaycard on the 14/11/08 so was it a possibility that the agreement was from barclaycard. However I had also applied for the Argos card on the 19/11/08. What I couldn't work out was the company name as it was a reference rather than a name that was given on my file.

I am just going to wait and see over the next week or so and see if anything comes through the letterbox

hi ,
have you actually looked at your full credit report with this info on or just the alert?
if you go into your file (order an up to date one it should give you the info in full there eg credit limit on new account and company ect, i di that when i had my flybe card app going through and it appeard on my file before i had recieved the card or pin!!