Credit Reference Agencies - Who Really Uses Who?! UPDATE

noah271007

Which credit agency Airmiles use to search for customers applying Lloyds TSB Airmiles Duo credit card online via Airmiles website?
Experian?

Mightyowl

Argos store card only search/report to Experian

sutton111

An update UNDERGROUND for you. I have just checked my Equifax file and found the following updates for you.

Barclays report to Equifax as well for account conduct on there banking accounts.

JD Williams report to equifax as well on there account conduct on Mail order accounts.

allthingsconsidered2009

John Lewis checked Equifax only when I applied this week
Freemans catalogue checked Experian only
When applying for a CC increase this week, HSBC checked Experian only

noah271007

Headup everyone,

I have applied for a Vodafone phone contract today at the store and was accepted using Experian without problems.

According to my Experian credit file just now,

VODAFONE LTD search type: Utilities

I would have thought the search type would be communications??

I applied for lloyds current account last month showing

Lloyds TSB Group
Search type: Unrecorded Enquiry

I am surprised at this as this is not a credit search, but more of a 'soft' search.

Finally

Lloyds TSB PLC Credit card earlier this month
Search type: credit card.

System

Hi noah,

Did you get the Lloyds account?

UNDERGROUND

noah271007

UNDERGROUND wrote: »

Hi noah,

Did you get the Lloyds account?

UNDERGROUND

Yes with £250 o/d.

How are you today underground?

sutton111

Another update for you UNDERGROUND!

Capital One searched Equifax not Experian for my Mum for a credit card on Monday 9th February

farhadhussain

would like to say that i agree with allthingsconsidered post for the JL card..i applied some time last year but it didnt turn up on my experian report,..havent got equifax..but i did however get a check on my experian when applying for M&S Credit card( BOTH CARDS ARE PROVIDED BY HSBC)

the182guy

How are people finding out which agency is used? Can you simply ask them on the phone when you're applying for something?