Credit Reference Agencies - Who Really Uses Who?! UPDATE

sscott5581

danielanthony wrote: »

Any idea which agency gets searched when you apply for a Play.com credit card?

Card is underwritten by MBNA so Experian.

System

I'M BACK!!

I threw this thread over to noah but it hasn't been updated in over 2 months so I'm taking it back over.

I hope it continues to be useful.

I appreciate all information updates

If you have any queries about any aspect of credit reference agencies please don't hesitate to ask.

Regards
UNDERGROUND

sutton111

Next search Experian too.

System

Hello all,

I seem to have come up against some 'opposition' to taking back this thread and keeping it up to date.

Please note that this thread:

http://forums.moneysavingexpert.com/showthread.html?t=1678785

has not been updated since 14/05/2009.

Of course everybody is free to choose whichever thread they wish!!

---

And now the usual appeal for information!!

If anybody has any new or updated information please post it up and I'll update ASAP.

I'm particularly wanting info on LOANS and MORTGAGES.

Regards
UNDERGROUND

Emid_3

I've just spoken to Co-op mortgages on the phone, asking outright which CRA they search for applications.

The answer was Experian.

The lady also mentioned that they will not accept CCJs or Bankruptcies though.

HTH
Emily.

System

Emid wrote: »

I've just spoken to Co-op mortgages on the phone, asking outright which CRA they search for applications.

The answer was Experian.

The lady also mentioned that they will not accept CCJs or Bankruptcies though.

HTH
Emily.

Many thanks, have added to list.

UNDERGROUND

stephane_2

when I opened account with First Direct few months ago, only made a search with Equifax and only report to them as well, nothing on experian

never-in-doubt

stephane wrote: »

when I opened account with First Direct few months ago, only made a search with Equifax and only report to them as well, nothing on experian

weirdly enough (carrying on from our last convo) they only used Experian with me and declined me.... which is odd cos my experian is kinda clear (exluding the 300 searches lol).....

They must change depends what cash is left in the budget! I applied at beginning of month so maybe they had more money to spend on experian searches :rotfl: :rotfl:

stephane_2

In a way I'd prefer they would report to Experian as I have noticed that most of my accounts are with Equifax (CC, current account) so when applying for credit in the past and they only search Experian am not surprised that sometimes I get declined!

kilasuit

stephane wrote: »

In a way I'd prefer they would report to Experian as I have noticed that most of my accounts are with Equifax (CC, current account) so when applying for credit in the past and they only search Experian am not surprised that sometimes I get declined!

maybe you could ask them to report to experian

I'm sure if you word a decent letter to them then they may just report to both