credit referrence agencies

nov1970

Hi when applying for credit how do you find out which credit refference agency the company is going to use?

skyrider007

There's a thread about this. Try searching for it.

PROLIANT

EQUIFAX
BARCLAYCARD
RBS
NATWEST
ULSTER
HSBC
JJB(SYGMA BANK)
CAPITAL ONE

EXPERIAN
CAPITAL ONE
CO-OP
AQUA
VANQUIS
MBNA(VIRGIN, A&L, ABBEY)
BANK OF SCOTLAND
GE BANK(PAY-PAL ETC)
CLYDESDALE
HALIFAX

CALL CREDIT
MONUMENT

dhassen

I always find that article hard to find:

http://www.moneysavingexpert.com/cards/credit-reference

Tori_Bellatrix

Proliant, is HSBC search on Equifax for bank accounts or credit cards?

PROLIANT

Tori_Bellatrix wrote: »

Proliant, is HSBC search on Equifax for bank accounts or credit cards?

All the above are for Credit Cards only, HSBC use Experian or Call Credit for Bank accounts.

Tori_Bellatrix

PROLIANT wrote: »

All the above are for Credit Cards only, HSBC use Experian or Call Credit for Bank accounts.

Proliant, accept a cyber kiss for this info ...:kisses3: ..

I applied for a HSBC credit card today and just recieved an email to say I've been accepted for £500 starting limit!! Thought I'd racked up too many searches to be accepted

0% on purchases ....Typical 15.9% after that .. My lowest APR yet ... :dance:

dhassen

Tori_Bellatrix wrote: »

0% on purchases ....Typical 15.9% after that .. My lowest APR yet ... :dance:

woooohooo

nice

londonuk2008

Well done Tori!!!
Just a note , when Natwest credit checked me for a new account they used Equifax for my bank account (got no problems with od) but used Experian for the credit card (and declined me) - that was the begining of April.

Tori_Bellatrix

Strange .. I've just checked Experian and Equifax and there is no credit search from HSBC ...

EDIT - Just spoken to HSBC and they say that my application has been credit scored and that it doesn't always show up for a couple of days ... maybe they are not all subject to real time then.

skyrider007

Tori_Bellatrix wrote: »

Just spoken to HSBC and that my application has been credit scored and that it doesn't always show up for a couple of days ... maybe they are not all subject to real time then.

Do you already have an account with HSBC? If so they may not search your credit report at all but made the decision entirely from your internal behaviour score. This has been the case for me when I requested an extension to my overdraft.