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Credit Reference Agencies - Who Really Uses Who?! UPDATE

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  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    naijapower wrote: »
    Does any know what credit agency Tesco uses for loan applications. Pls note i mean loan not credit card etc.
    Been told they use Equifax only. Need some input from people with experience with Tesco loans

    Apparantly Equifax,

    Please let us know when/if you apply
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • naijapower
    naijapower Posts: 1,393 Forumite
    Innocent_Guy wrote: »
    Apparantly Equifax,

    Please let us know when/if you apply
    many thanks. but what is your source? Do you know someoe that applied recently or just speculating.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    naijapower wrote: »
    many thanks. but what is your source? Do you know someoe that applied recently or just speculating.

    I was reading on a thread of someone who applied for a tesco credit card an got declined ( They searched Experian ) And then applied for a Loan with Tesco ( Searched Equifax ) and got accpeted.

    Read through the last couple of pages on this thread

    Best of luck
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • js78
    js78 Posts: 153 Forumite
    Does anyone know which pre-paid credit cards report to the cra's?, if so which card & which cra? thanks in advance
    JS Name: Freemans £94/£200, Jacamo £941/£1400, Santander account £0/£0 Limit, 3 network 18mthx£20, Vanquis £233/£250, Vodafone 24mthx£35, Great Universal £500/£600, Littlewoods £500/£600, Marshall Ward £250/£300, Halifax Reward £93/£100 o/d, Studio £44/£250, Flybe £1450/£1500, Accessory £450/£520.
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    js78 wrote: »
    Does anyone know which pre-paid credit cards report to the cra's?, if so which card & which cra? thanks in advance

    None, they are pre-paid meaning it is not credit. Means they do not credit score you or report to CRA's cos in essence its your own money and you can't go overdrawn....

    You were told in other thread that CashPlus is the only thing similar..... That is the only option.

    sorry no matter how many ways you word the question, the answer stays the same.
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • danielanthony
    danielanthony Posts: 517 Forumite
    edited 17 April 2009 at 9:24PM
    Is there any chance of updating this list for mortgages?

    For starters, I noticed that Abbey only checked my Experian file when I applied for my 1st mortgage...
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    danielanthony wrote: »
    Is there any chance of updating this list for mortgages?

    For starters, I noticed that Abbey only checked my Experian file when I applied for my 1st mortgage...

    Think you'll find a thead for mortgages..... this is credit cards mate :p
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • System
    System Posts: 178,349 Community Admin
    10,000 Posts Photogenic Name Dropper
    danielanthony wrote: »
    Is there any chance of updating this list for mortgages?

    For starters, I noticed that Abbey only checked my Experian file when I applied for my 1st mortgage...

    Hi danielanthony

    I shall add a section now, with Abbey being the sole entry for now!

    If anyone else would like to add please post and let me know.

    Regards
    UNDERGROUND :D
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • System
    System Posts: 178,349 Community Admin
    10,000 Posts Photogenic Name Dropper
    never-in-doubt wrote: »
    Think you'll find a thead for mortgages..... this is credit cards mate :p

    .... saying that I have got sections for current accounts, catalogues, loans, store cards and mobile phones as well as credit cards!

    The more the merrier ;)

    UNDERGROUND :D
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • System
    System Posts: 178,349 Community Admin
    10,000 Posts Photogenic Name Dropper
    STORE CARD HOLDERS

    Any store card holders out there, could you please let me know which credit reference agency was used when you applied, or if you already hold one which agency they report to.

    Especially for popular stores like Next, Arcadia (Burton, Dorothy Perkins), House of Fraser, Top Shop etc.

    Many thanks
    UNDERGROUND :D
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
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