Credit Reference Agencies - Who Really Uses Who?! UPDATE

sutton111

UNDERGROUND wrote: »

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

Hi UNDERGROUND

House of Fraser search Experian. Their card is run by GE Money.

Next - They use Equifax

Cash_Flow

sutton111 wrote: »

Hi UNDERGROUND

House of Fraser search Experian. Their card is run by GE Money.

Next - They use Equifax

Yep Next search equifax.

danielanthony

I did have a hunt around for mortgage CRB checks, but couldnt find anything, and as this thread is comprehensive anyway the only thing it is missing is a mortgage section (especially relevant in the climate today!). If anyone can point me in the direction of a thread which shows who Halifax use for mortgage applications I would appreciate it!

danielanthony

And to help others here:
RBS Credit cards report to Ex, Eq, CC
Cahoot Credit cards and current accounts report to Ex, Eq, CC
Close Brothers Credit Cards report to Eq

Palm_Centro

I recently got my own credit report from the creditreport.co.uk web site.

never-in-doubt

UNDERGROUND wrote: »

.... 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

Cool, ok well my mortgage history:

GMAC RFC search and report to Experian;

MAS No5 search EQ & EX and also report to EQ & EX.

- Both the above are self cert specialist mortgages max 80% LTV as well if that helps. Avg APR is 5-7% which was good as well (rates from around 2007 when I last swapped mortgages)

Abbey search Experian and report to EX & EQ.

Yes, had a few mortgages! LOL

never-in-doubt

danielanthony wrote: »

I did have a hunt around for mortgage CRB checks, but couldnt find anything, and as this thread is comprehensive anyway the only thing it is missing is a mortgage section (especially relevant in the climate today!). If anyone can point me in the direction of a thread which shows who Halifax use for mortgage applications I would appreciate it!

To be honest Halifax tend to switch and swap dependant upon what info they have about you. I got a MIP from Hfx but they searched both EX & EQ but one of my mates has one and they report nothing, no mention of a search either which is well weird - but there is the usual ID Verification search (soft search) on both EX & Eq.

Does that make sense? Halifax seem to do whatever suits them on that particular day.

Innocent_Guy

I want a debenhams store card. Anyone know if they search Experian??

I know they WERE G E Money but now Santander

never-in-doubt

Innocent_Guy wrote: »

I want a debenhams store card. Anyone know if they search Experian??

I know they WERE G E Money but now Santander

has the switch gone through mate, it could take a while to all update? I think they do tbh, abbey search Experian anyway - we know that much!

Innocent_Guy

never-in-doubt wrote: »

has the switch gone through mate, it could take a while to all update? I think they do tbh, abbey search Experian anyway - we know that much!

Switch is complete my OH received a letter regarding her store cards confirming they are now GE