Credit Reference Agencies - Who Really Uses Who?! UPDATE

System

snoppydog wrote: »

Thanks. Problem is I don't remember who the company was that put it on my record as it was over two years ago. My experian report says Registry Trust but nothing else.

You can find out details of the judgment here:

http://www.trustonline.org.uk/

There's an £8 fee to search, the results are online and instant.

Regards
UNDERGROUND

Doshamento

I have a contract phone with 3 Mobile.

They searched Experian, and report my account conduct to both Experian and Equifax using the name of HUTCHINSON 3G UK.


Express Gifts/24Studio searched Experian and declined me a credit account.
Yet strangely, are reporting an active account to Experian and Equifax.

System

Doshamento wrote: »

I have a contract phone with 3 Mobile.

They searched Experian, and report my account conduct to both Experian and Equifax using the name of HUTCHINSON 3G UK.


Express Gifts/24Studio searched Experian and declined me a credit account.
Yet strangely, are reporting an active account to Experian and Equifax.

Hi Doshamento

Thanks for the info.

You need to get that Studio account checked out ASAP, don't allow incorrect information to be recorded.

Regards
UNDERGROUND

savagej

It depends is it showing an nice line of green zero's even although it was never activated, if it is I would have the tendency not to tell the company and let it improve my credit rating.

Tori_Bellatrix

heranaway wrote: »

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

When I took my loan out with Tesco Finance last year, they searched Equifax only ... although they report conduct to both Experian and Equifax.

sutton111

Do RBS still run Tesco finance? I thought they spilt up.

crazyfj

darcyvuqua wrote: »

barclaycard dont even search experian!!!

they did for me, they did'nt for skycard though

System

sutton111 wrote: »

Do RBS still run Tesco finance? I thought they spilt up.

Tesco now have their own banking license and have bought out RBS's stake of Tesco Personal Finance (mid 2008).

I'm not 100% sure but from the bit of research I've done it appears that RBS still run the technical side of things, ie. card issue, IT systems.

Regards
UNDERGROUND

sutton111

Thanks UNDERGROUND. I wasn't to sure but i had read recently something about them spilting.

noah271007

Guys hoping you could help me out here.

I KNOW Experian holds 36 months payment history on ACTIVE accounts...any late payments more than 36 months (3 years) drop off.

Does Equifax hold 48 months (4 years) payment history on ACTIVE accounts???
And what about Call Credit??