Credit Reference Agencies - Who Really Uses Who?! UPDATE

never-in-doubt

Anyone know who Tesco search? CRA's? Is it Experian or Equifax or even both? also, are they using the RBS systems, as in if ive been refused RBS will tesco link and decline me the same as RBS...?

anyone have any ideas?

cheers

System

According to Tesco:

Tesco Personal Finance uses a company called Experian to check applicants' credit history. If you are turned down for credit, this is not a decision made by Experian, but by Tesco Personal Finance, based on our own criteria.

http://www.tescofinance.com/personal/finance/finance/creditcards/elh/your-credit-rating.html

UNDERGROUND

never-in-doubt

UNDERGROUND wrote: »

According to Tesco:

Tesco Personal Finance uses a company called Experian to check applicants' credit history. If you are turned down for credit, this is not a decision made by Experian, but by Tesco Personal Finance, based on our own criteria.

http://www.tescofinance.com/personal/finance/finance/creditcards/elh/your-credit-rating.html

UNDERGROUND

Thanks mate - I done it, pressed that ruddy green button again!

See here #11

me thinks its a decline even though the page looks positive

AverageJoe_4

evenin'....

never-in-doubt

AverageJoe wrote: »

evenin'....

ey up matey :beer:

lisastevo

Hi Guys.

Im new to this forum but I have found it very helpful thank you!!!

Some info I have is......

On my EQ report I have recorded info on HFC hire purchase account (aggrement made in Currys) and GE capital bank but they are no where to be seen on my EX report. Not sure anbout searches on these as they were along time ago.

Recently had some issues with new different mobile phone contracts as had problems with signal and stuff so had to close and re-open new ones, searches were done and both Vodafone and Orange were searched on only EX no record on EQ at all.

Hope this helps when collating new info.

My EX report is squeky clean as it doesn't have those 2 accounts mentioned above on, so was wondering if anyone knew which mortgage lenders just search EX??? Looking into buying this year you see......if not ill have to wait until Feb 2010 before the other accounts drop off my EQ file.

Also I do all my banking with HSBC, all my accounts show up on both EX and EQ but I recently got personal loan up'ed my credit card limit and searches for this only show on EX, no searches by HSBC on EQ.

Cheers

naijapower

Very useful list. Should be constantly updated

Dealmad

anyone know who just uses Equifax for current accounts as from that list it seems none?

System

Dealmad wrote: »

anyone know who just uses Equifax for current accounts as from that list it seems none?

Hi

They all use Experian, and some follow up with an Equifax - none of them just use Equifax alone I'm afraid.

Regards
UNDERGROUND

System

naijapower wrote: »

Very useful list. Should be constantly updated

Cheers! New information is always welcome

UNDERGROUND