Credit Reference Agencies - Who Really Uses Who?! UPDATE

darcyvuqua

National Australia Bank Group (Yorkshire Bank, Clydesdale search experian

hsbc loans report all 3

24studio report to experian and studio nothing showing on call credit for me!

darcyvuqua

i cant believe that i was reading the front page there is no bank that searches equifax for a current account!!

darcyvuqua

Candid Collections Limited (Simply Be, JD Williams)
Search: EQ
Report: EX

i applied today and they search experian!

sutton111

Did they accept you darcy?

stephane_2

HI,

Like to apply for Nationwide Credit Card, do anyone know which credit reference agency they are using??

Thanks

System

stephane wrote: »

HI,

Like to apply for Nationwide Credit Card, do anyone know which credit reference agency they are using??

Thanks

Hi stephane,

From what other MSE users have reported it appears that Nationwide use Experian for credit card applications.

Regards
UNDERGROUND

System

It's been a while...... bump :rolleyes:

UNDERGROUND

sscott5581

Next store card also reports to CC

and

Lloyds bank account also reports to CC

Regards
Steven

clio

anyone know who tesco credit card report too, is it ex & eq ??

heranaway

Right people, Experian is the National Credit Agency! Every Bank reports to and uses Experian!

Callcredit and Equifax are just there for Identity checks mainly and that is why seaches hardly ever show up on those reports, If they and when they want to check your financial circumstances they will use experian. I have a friend who is an Underwriter for HBOS and has worked in the pass for other top banks and he told me that experian is mainly the first place they go to scrutanise your financial details.

If you want to improve your credit file, use and monitor Experian.

P.s Halifax use Experian for all their products, so do RBS (including Tesco Finance) Brittania BS, Barclaycard and all Barclay Products, Toyota finance, HFC Finance and HSBC.

Cheers