Credit Reference Agencies - Who Really Uses Who?! UPDATE

System

Akash2007 wrote: »

new thread where everyone can post which company uses which Credit Reference Agency (CRA). Other threads seem fragmented and the original article is definitely out of date.Below is a list of major financial companies which provide bank accounts, credit cards, mobile phone contracts and home shopping catalogues which I will update with which agency they use to search and report to as people post it up. Please also let me know companies I have forgotten.

:spam: :spam: :spam: :spam: :spam: :spam:

CLEAR OFF!!

purplecats1970

:rotfl: hey underground you seem to know ur stuff you have any ideas on my queries listed above?
cheers

System

purplecats1970 wrote: »

:rotfl: hey underground you seem to know ur stuff you have any ideas on my queries listed above?
cheers

Hi purplecats1970

Welcome to MSE

I used to have a Choice catalogue and it was reported on all three of my credit reports as 'Shop Direct Financial Services'.

As for Monument I'm not sure, try asking the friendly peeps on the 'Sub Prime Credit Card Club' thread - someone will know for sure.

Regards
UNDERGROUND

londonuk2008

Talking to one of my friends who has a 'Provident' loan and he said it has appeared on his Experian file...

realshannon

does anyone know who Lombard use - they come under Royal Bank of Scotland - my query is for Lombard asset finance bu presume all the group would use the same people - have checked Experian and Equifax but is there only one other they could use? sorry again but is this Call Credit or are there more? thanx

PaulW922

londonuk2008 wrote: »

Talking to one of my friends who has a 'Provident' loan and he said it has appeared on his Experian file...

Are you sure he's right? I didn't think Provident did that although their credit card - Vanquis - does.

and306

It is definitley correct about provident because it is on my experian report,i was quite surprised by this.

System

Hello all

Just reading through the original post and there's gaps that I'm hoping some MSE'rs can fill.

These are:

Bank Accounts

Bank of Ireland - Report
Barclays - Search

Credit Cards

Monument - Report
National Australia Bank (Yorkshire Bank, Clydesdale) - Search & Report

Mobile Phones

3 - Search

Catalogues

Otto Group - Search
Studio - Report

Others

Ikano - Report
Zopa - Report
Barclaycard Masterloan - Report
Argos Card - Report
Provident Loans - Do they even search?

Thanks for any help

UNDERGROUND

Neyo

edit

posted in wrong thread

KingPin_2

Does anyone know if Norwich and Peterborough building society report to the Credit Reference Agency's on conduct of there current account if so which agency do they use.