CreditCards Blog

is it possible to get a Next Directory without being credit searched? If not, which CRA do they use and how strict are they?

Hi,

Next Directory will search your credit file and I think they use Equifax

Indeed, it is Equifax, and when you request a book they open you a credit account with (in my experience of looking through people's credit files) a 250 limit.

Only way to get a book without getting searched is to go and nick the one in the store that's stuck to the "get a directory" podium.

Only way to get a book without getting searched is to go and nick the one in the store that's stuck to the "get a directory" podium.


Thanks. That is what I'll do tomorrow (joke);)

Alternatively, if you just want a directory if you order from Next online (using an existing credit card) they send you a complimentary copy of the directory. Of course you will have to pay 3.95 postage as opposed to the 3.50 charge for the regular directory, but you won't be credit checked that way.

Amanda

For some strange reason NExt are not upfront about the fact that by requesting a catalogue you are also agreeing to open a credit account.

I also read Next are owned by Littlewoods?

Is it deffo Equifax? Do not need anymore searches to my experian....

I also read Next are owned by Littlewoods?[/quote]

Two different companies .

Is it deffo Equifax? Do not need anymore searches to my experian....

It states on their website they will search CRA's none in specific

yeah Equifax - they somtimes do 'soft' searches on mine and also my OH applied few weeks ago - havent said that she still hasnt heard anything!

yeah Equifax - they somtimes do 'soft' searches on mine and also my OH applied few weeks ago - havent said that she still hasnt heard anything!
Thanks....Did your OH get searched??

yeah Equifax - they somtimes do 'soft' searches on mine and also my OH applied few weeks ago - havent said that she still hasnt heard anything!

Yeah, defo Equifax ... and they've done soft searches on mine as well when I've ordered costly items ...

what does a soft search check against a hard search?

Yeah that happens when I place higher orders - never used up to the credit limit. Mind you this is one account we would'nt want to close!
Welcome back Tori!

what does a soft search check against a hard search?

Hard - full credit search visable to all
Soft - shows only to you - unrecordered

so it does the same thing but only the full is visable.

Yeah that happens when I place higher orders - never used up to the credit limit. Mind you this is one account we would'nt want to close!
Welcome back Tori!

Hard check - Credit application
Soft check - Subsuquent Check - Follow up

Yeah that happens when I place higher orders - never used up to the credit limit. Mind you this is one account we would'nt want to close!
Welcome back Tori!

Aww ... thank you London ...;)

Can I apply in store? I need a store card / catalouge to build up my rating does anyone know any lenders that are slighly easier to get accepted with?

Aww ... thank you London ...;)

We often all asked over on 'sub-prime' where u went!:beer:

I've heard Littlewoods and Freemans are very very easy

Can I apply in store? I need a store card / catalouge to build up my rating does anyone know any lenders that are slighly easier to get accepted with?

you can apply in-store but won't have instant credit - have to wait until processed.

try littlewoods or jd williams i got accepted though those. Next you can apply on-line.

What do JD Williams sell?

We often all asked over on 'sub-prime' where u went!:beer:

Well, it was Big Brother time so I migrated to Digital Spy, lol ... and then got hooked on Facebook .. :p

What do JD Williams sell?
clothing, electrical, etc

try littlewoods or jd williams i got accepted though those. Next you can apply on-line.

Thanks all, I must say answers are coming back thick and fast tonight more like MSN LOL! I think i might apply for littlewoods..... Soz to be a pain but do we know whether they use equifax as my Experian report has got excesive searches LOL
:beer:

Well, it was Big Brother time so I migrated to Digital Spy, lol ... and then got hooked on Facebook .. :p
Were you pleased with the winner of BB. I wasn't.

Littlewoods used Equifax for me ....

Thanks all, I must say answers are coming back thick and fast tonight more like MSN LOL! I think i might apply for littlewoods..... Soz to be a pain but do we know whether they use equifax as my Experian report has got excesive searches LOL
:beer:
Equifax search, report to all 3.

Littlewoods used Equifax for me ....
Cool..........

Innocent I think I saw that JD Williams uses Experian and Littlewoods uses Equifax. I could be wrong though mate

Were you pleased with the winner of BB. I wasn't.

I quite liked Rachel ... :whistle:

At least Kat never one.

Innocent I think I saw that JD Williams uses Experian and Littlewoods uses Equifax. I could be wrong though mate

Ok will stear clear of JD then think that I should try littlewoods.....

Thanks moneysavingallday

litlewoods/additions are cheaper and better.
Choice and Marshal ward are more expensive.

Well, it was Big Brother time so I migrated to Digital Spy, lol ... and then got hooked on Facebook .. :p

we're all still hooked on here...:beer:

i've got too many searches on Equifax (BT have felt the need to do 4 searches on me) so I'll need a catalogue that searches Experian.

Can I apply in store? I need a store card / catalouge to build up my rating does anyone know any lenders that are slighly easier to get accepted with?

I applied and was accepted for Next when I had a terrible credit rating - i had a ccj that was satisfied and also a default that was paid, they accepted me no problem and my limit has now been raised to 3500. Not that I owe any where near that much I also too had JD Williams, Studio Cards, Littlewoods and Additions Direct, I even got a mobile phone contract needless to say I am spot on with payments now and must say that I still dont understand how I was accepted at that time. So I would personally say try Next you never know your luck.

i've got too many searches on Equifax (BT have felt the need to do 4 searches on me) so I'll need a catalogue that searches Experian.

We are complete opposites LOL. So if you find that when you apply they search your equifax let me know and vice versa........:j

I applied and was accepted for Next when I had a terrible credit rating - i had a ccj that was satisfied and also a default that was paid, they accepted me no problem and my limit has now been raised to 3500. Not that I owe any where near that much I also too had JD Williams, Studio Cards, Littlewoods and Additions Direct, I even got a mobile phone contract needless to say I am spot on with payments now and must say that I still dont understand how I was accepted at that time. So I would personally say try Next you never know your luck.

I think that ill call littlewoods and confirm will post back

try on-line - my OH did and got a limit of 750. Until recently my limits across three of there brands was 6500! Built up over three - or four years.

Is there some weird gremlin on this thread deleting posts?

why whats happened/

I have just been declined for Littlewoods!!!!! I'm fuming....... They do check Equifax BTW

strange - unlucky.

I have just been declined for Littlewoods!!!!! I'm fuming....... They do check Equifax BTW
I would be to worried, i applied for vanquis card they declined me, but 3 weeks later i applied for a littlewoods account and got a 330 limit, so each lender seems to look for different things. This is my 500 post:beer:

I would be to worried, i applied for vanquis card they declined me, but 3 weeks later i applied for a littlewoods account and got a 330 limit, so each lender seems to look for different things. This is my 500 post:beer:

Well done 500th post!!!! Still !!!!*ed off with regards to my decline.....

Well done 500th post!!!! Still !!!!*ed off with regards to my decline.....
Any reason why you think, did they let you have a catalogue?

that is kind of weird.