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Credit Reference Agencies - Who Really Uses Who?! UPDATE

Legacy_user
Legacy_user Posts: 0 Newbie
edited 13 April 2010 at 1:30PM in Credit cards
LAST UPDATED: Friday 7th April 2010


Hi all

Thought I'd start a thread where everyone can post which company uses which Credit Reference Agency (CRA).

Below is a list of major financial companies which provide bank accounts, credit cards, mobile phone contracts, loans, home shopping catalogues, mortgages and motor finance which I will update with which agency they use to search and report to as people post it up.


PLEASE HELP KEEP THIS THREAD UP TO DATE BY POSTING UP ANY INFORMATION YOU HAVE - T H A N K S :)

DISCLAIMER: THIS POST IS A GUIDE ONLY AND ANY INFORMATION CONTAINED WITHIN IS NOT GUARANTEED TO BE ACCURATE. ALL INFORMATION POSTED IS BASED ON THE EXPERIENCE OF OTHER MSE FORUM USERS


Key:
EX = Experian
EQ = Equifax
CC = Call Credit


BANK CURRENT ACCOUNTS

Alliance & Leicester
Search: EX
Report: EX, EQ, CC
Allied Irish Bank (First Trust Bank)
Search:
Report:
Bank Of Cyprus
Search: EQ
Report:
Bank Of Ireland
Search: EX
Report: EX, EQ
Barclays
Search: EX
Report: EX, EQ, CC
Citibank
Search: EX
Report: EX
Co-op (incl. smile)
Search: EX
Report: EX, EQ, CC
Coventry Building Society
Search: EQ
Report:
Halifax & Bank of Scotland
Search: EX
Report: EX, EQ, CC
HSBC (incl. First Direct)
Search: EX, EQ
Report: EX, EQ, CC
Lloyds TSB
Search: EX
Report: EX, EQ, CC
Nationwide
Search: EX
Report: EX, EQ, CC
Northern Bank
Search: EX
Report:
Royal Bank of Scotland & NatWest
Search: EX, EQ
Report: EX, EQ, CC
Santander (incl. Cahoot)
Search: EX
Report: EX, EQ, CC
Yorkshire Bank & Clydesdale Bank (National Australia Group)
Search: EX
Report: EX


CREDIT CARDS

Allied Irish Bank (incl. Saga, First Trust Bank)
Search:
Report:
American Express
Search: EX, EQ
Report: EX, EQ, CC
Bank Of Ireland (incl. Post Office Card)
Search: EX, EQ
Report: EX, EQ
Barclaycard (incl. Bhs, Hilton HHonors, Leeds Building Society, Orange, Priority Club, Thomas Cook)
Search: EX, EQ
Report: EX, EQ, CC
Capital One
Search: EX, EQ
Report: EX, EQ, CC
Citicard (Not accepting new applications)
Search: EX
Report: EX, EQ
Co-op (incl. smile)
Search: EX
Report: EX, EQ, CC
Egg (issued by Citibank)
Search: EX, EQ
Report: EX, EQ, CC
Halifax & Bank of Scotland (incl. ipoints, Marriot Rewards, Sainsbury's)
Search: EX (+ EQ for Aqua Card)
Report: EX, EQ, CC
HSBC (incl. First Direct, M&S, The GM Card)
Search: EX, CC (EQ for John Lewis Card)
Report: EX, EQ, CC
Lloyds TSB
Search: EX, CC
Report: EX, EQ
MBNA (incl. AA, Amazon, bmi, BT, ICICI, Newcastle BS, Norwich & Peterborough BS, Play.com, SonyCard, Virgin)
Search: EX (+EQ for credit limit increases)
Report: EX, EQ, CC
Monument Card (Not accepting new applications)
Search: CC
Report: EX, EQ, CC
Nationwide
Search: EX
Report: EX, EQ, CC
Northern Bank
Search: EX
Report:
Royal Bank of Scotland & NatWest (incl. Tesco, Ulster Bank)
Search: EX, EQ
Report: EX, EQ, CC
Santander Cards (incl. Asda, House of Fraser, PayPal, Ryanair)
Search: EX, EQ
Report: EX
Sygma Bank (All Saints, Donate As You Spend, Flybe Card, JJB Card, myWorld, Silver Card)
Search: EQ
Report: EX, EQ
Vanquis (incl. Freemans Card, Grattan Card)
Search: EX
Report: EX, EQ, CC
Yorkshire Bank & Clydesdale Bank (National Australia Group)
Search: EX
Report: EX, EQ


MOBILE PHONES / LANDLINES / TELEVISION / BROADBAND / UTILITIES

3
Search: EX
Report: EX, EQ
BT
Search: EQ
Report: EX, EQ
British Gas
Search:
Report: EX
Carphone Warehouse
Search: EX, EQ
Report: EX, EQ
O2
Search: EQ (EX for business tariffs)
Report: EX, EQ, CC
Orange
Search: EX, EQ
Report: EX, EQ, CC
T-Mobile
Search: EQ
Report: EX, EQ
Virgin Mobile
Search: EQ
Report: EQ
Virgin Media
Search: EQ
Report: EQ
Vodafone
Search: EX
Report: EX, EQ, CC


CATALOGUES

Candid Collections Limited / JD Williams (Ambrose Wilson, Premier Man, Simply Be + numerous small brands)
Search: EX, EQ
Report: EX, EQ, CC
Findel Plc / Express Gifts (Ace, Health & Home Shopping, Studio)
Search: EX
Report: EX, EQ
Next Directory
Search: EX, EQ
Report: EX, EQ, CC
Otto Group (Freemans, Grattan)
Search: EX, EQ
Report: EX, EQ, CC

Redcats (Daxon, LaRedoute, Vertbaudet)
Search: EQ
Report: EX, EQ, CC

Shop Direct Group / Shop Direct Financial Services (Additions Direct, Choice, Empire Stores, Great Universal, Kays, Littlewoods, Marshall Ward, Very)
Search: EQ
Report: EX, EQ, CC


LOANS

Alliance & Leicester
Search: EX, EQ
Report:
Black Horse
Search: EX
Report:
Clydesdale Bank
Search: EX
Report:
Halifax
Search: EX
Report: EX, EQ
Lloyds TSB
Search: EX
Report:

HSBC

Search: EX
Report: EX, EQ, CC
Provident
Search: N/A (not credit searched)
Report: EX, CC (+EQ if defaulted)
Royal Bank of Scotland & NatWest
Search: EX, EQ
Report: EX, EQ, CC
Tesco
Search: EQ
Report: EX, EQ, CC
Zopa
Search: EQ
Report: EX



STORE CARDS / STORE FINANCE

Argos Store Card
Search: EX
Report: EX, EQ
HFC Bank (DSG Retail - Currys, Dixons, PC World)
Search: EX, EQ
Report: EX
Ikano Financial Services (Habitat, IKEA, Mango, New Look, Oasis, Principles, Warehouse)
Search: EX
Report: EX, EQ, CC
Next
Search: EX, EQ
Report: EX, EQ
Santander Cards (Arcadia Group [Burton, Dorothy Perkins, Evans, Miss Selfridge, Outfit, Topshop, Topman, Wallis] & House of Fraser)
Search: EX
Report: EX, EQ


MORTGAGES

Cheltenham & Gloucester
Search: EX
Report:
Co-operative Bank
Search: EX
Report:
GMAC RFC (through an IFA)
Search: EX
Report: EX
Halifax
Search: EX
Report:
HSBC
Search: EX
Report:
Nationwide
Search: EX
Report: EX, EQ, CC
Norwich and Peterborough

Search: EX
Report: EX, EQ, CC
Northern Rock
Search: EX
Report: EX, EQ
Royal Bank of Scotland & NatWest
Search: EX, EQ
Report:
Santander
Search: EX
Report: EX, EQ
Yorkshire Building Society
Search: EQ
Report:


MOTOR FINANCE

Alphera Finance
Search: EX
Report:
Black Horse
Search: EX
Report:
Santander Consumer Motor Finance
Search: EX
Report: EX, EQ, CC



DISCLAIMER: THIS POST IS A GUIDE ONLY AND ANY INFORMATION CONTAINED WITHIN IS NOT GUARANTEED TO BE ACCURATE. ALL INFORMATION POSTED IS BASED ON THE EXPERIENCE OF OTHER MSE FORUM USERS



UNDERGROUND :D
«13456777

Comments

  • Thomas_Crown
    Thomas_Crown Posts: 918 Forumite
    Part of the Furniture 500 Posts
    CATALOGUES:- The Shop Direct Group formed when Littlewoods took over GUS also includes Argos & Homebase. From the 11th July 2008 the group includes the Redcats brands Empire Stores & La Redoubte.

    The Shop Direct Group is owned by the Barclay brothers (95%) & Bank of Scotland (5%).
  • smithja
    smithja Posts: 561 Forumite
    I opened a NatWest Current Account recently and did not apply for an overdraft and they only search Equifax, not Experian. They did check Experian only a year before when I applied for a credit card.

    Hope this helps.

    James

    Edit: Next Directory search Equifax.
  • CATALOGUES:- The Shop Direct Group formed when Littlewoods took over GUS also includes Argos & Homebase. From the 11th July 2008 the group includes the Redcats brands Empire Stores & La Redoubte.

    The Shop Direct Group is owned by the Barclay brothers (95%) & Bank of Scotland (5%).

    These muppets also sail very close to the wind. They record default notices when the debt is not subject to a Consumer Credit Act agreement (illegal) and they also use the trading style of an unincorporated company International Collections Group Limited (also illegal).

    They are a bunch of shysters.
    Don't lie, thieve, cheat or steal. The Government do not like the competition.
    The Lord Giveth and the Government Taketh Away.
    I'm sorry, I don't apologise. That's just the way I am. Homer (Simpson)
  • System
    System Posts: 178,224 Community Admin
    10,000 Posts Photogenic Name Dropper
    These muppets also sail very close to the wind. They record default notices when the debt is not subject to a Consumer Credit Act agreement (illegal) and they also use the trading style of an unincorporated company International Collections Group Limited (also illegal).

    They are a bunch of shysters.

    I agree with your comments!

    I had a default recorded by Shop Direct Financial Services for a Choice catalogue back in 2003 when I was in a financial mess. I wrote to them about it explaining I wasn't in an agreement with them therefore how could an agreement have broken down between us resulting in a default? They removed it giving some bull crap reason and as a 'gesture of goodwill'.

    Also I recently tried to get all the data they had recorded removed from my credit file but they refused. I made a complaint to the Information Commissioner and surprise surprise they sided with SDFS and said they had done nothing wrong. Oh well, it doesn't affect me anymore anyway, it was just a principal thing!

    Regards
    UNDERGROUND :D
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • edindie
    edindie Posts: 156 Forumite
    Post removed
  • I agree with your comments!

    I had a default recorded by Shop Direct Financial Services for a Choice catalogue back in 2003 when I was in a financial mess. I wrote to them about it explaining I wasn't in an agreement with them therefore how could an agreement have broken down between us resulting in a default? They removed it giving some bull crap reason and as a 'gesture of goodwill'.

    Also I recently tried to get all the data they had recorded removed from my credit file but they refused. I made a complaint to the Information Commissioner and surprise surprise they sided with SDFS and said they had done nothing wrong. Oh well, it doesn't affect me anymore anyway, it was just a principal thing!

    Regards
    UNDERGROUND :D

    How about a list of organisations that p!ss me off:

    Experian/Equifax - Gossip mongerers who report data without checking the accuracy.

    Information Commissioner - Toothless Tigers who do not have interest in the truthful reporting of data recorded against individuals.

    Any more?
    Don't lie, thieve, cheat or steal. The Government do not like the competition.
    The Lord Giveth and the Government Taketh Away.
    I'm sorry, I don't apologise. That's just the way I am. Homer (Simpson)
  • ToMoCo
    ToMoCo Posts: 43 Forumite
    Halifax Bank Account - Report to experian

    Credit Cards
    Cahoot - Report to experian
    Post Office - Report to experian
    Barclaycard - Search Experian
    Capital One - Search Experian
    Egg - Report to experian
    HSBC - Report to experian
    MBNA - Search & Report experian


    Vodafone - Search & Report experian
  • cifpower
    cifpower Posts: 6,502 Forumite
    and Halifax Current Account also report to Equifax and Call Credit.
  • Lloyds TSB search Experian when offering current accounts
  • System
    System Posts: 178,224 Community Admin
    10,000 Posts Photogenic Name Dropper
    Thanks for your replies :smiley:

    KEEP 'EM COMING!!!

    The gaps are filling up!

    Regards
    UNDERGROUND :D
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
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