Credit Reference Agencies - Who Really Uses Who?! UPDATE

System

the182guy wrote: »

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

You can ask them but they will probably tell you that they may use any of the three available to them.

People contributing to this thread have applied for the product and checked their credit files to see which agency has been used.

Regards
UNDERGROUND

noah271007

Bump! Ive spent ages looking for this thread!! Underground, this thread i feel needed a new update. Shall i set up a new thread with updated info to make things easier?

sutton111

That's a good idea Noah.

Wait for Underground though.

noah271007

Yeah will do. How are you Sutton?? I have just read somewhere that moneysavingexpert.com is now the 100th most visited website in UK!! I will find a link for this.

noah271007

http://www.netimperative.com/news/2009/february/money-saving-expert2019-most-searched-for-uk

noah271007

http://weblogs.hitwise.com/robin-goad/2009/02/money_saving_expert_martin_lewis_most_searched_for_celebrity.html

sutton111

noah271007 wrote: »

Yeah will do. How are you Sutton?? I have just read somewhere that moneysavingexpert.com is now the 100th most visited website in UK!! I will find a link for this.

I'm fine Noah, thanks for asking. How are you?

noah271007

sutton111 wrote: »

I'm fine Noah, thanks for asking. How are you?

Erm, not too good im afraid. I am at risk of losing my job!!:eek: I am taking time off this week and go back to work next week to find whether i will be offered a redundancy package. I have not worked for the company long so it might not be much. It's pretty glum i have to say.

sutton111

Oh sorry to hear about that, good luck Noah, I hope it gets sorted and you can keep your employment.

Do you know if Carephone Warehouse do there own credit checks? It does suggest on the opening page that they do, but i'm unsure as O2 declined me and I was wondering if CPW would accept me?

noah271007

Thanks sutton!

Yes CPW do their own credit checks searching data from EX AND EQ - 02 search both EX and EQ as well.

Is your Equifax credit file poor compared to Experian?

CPW in my experience are hit and miss. Sometimes for those who have bad credit history they have to pay a deposit upfront and sometimes get an instant decline.