Credit Reference Agencies - Who Really Uses Who?! UPDATE

System

siddiqr wrote: »

Does anyone know which agency Furniture Village use for their interest free credit deals? Equifax or Experian or Callcredit?

Regards

Riz

Nope, sorry!

Finance is provided by Hitachi Capital, someone else may be able to tell you who they search.

Regards
UNDERGROUND

never-in-doubt

UNDERGROUND wrote: »

Nope, sorry!

Finance is provided by Hitachi Capital, someone else may be able to tell you who they search.

Regards
UNDERGROUND

Was sure Proliant was speaking of these the other day - he'll know (maybe was Equifax?).....

sneaky

Yourpersonalloan who are part of The Co-operative Bank use Equifax I know as they have just rejected me

richypat07

hi does anyone know who Principality building society and NatWest use for mortgage applications?

Many thanks

revolu

From my report

Lenders searching equifax

British credit trust - car finance app
Shop Direct Finance Company
Bright Finance
Alliance and Leicester - personal loan app
Freedom Finance - Monieo
Zopa Ltd - personal loan app
Mackenzie Hall - Kilmarnock
Ocean finance
Norwich and peterborough building society

Lenders reporting equifax

Ge money
Hfo services
Studio express gifts
Robinson way
London scottish bank aka next
Natwest bank account
hsbc plc bank account
capitalone credit card

siddiqr

Folks i am trying to buy some furniture on interest free credit
My credit score with Experian is excellent but poor with equifax.
Does anyone know which stores use Experian ?

Regards
Riz

never-in-doubt

revolu wrote: »

From my report

Lenders searching equifax

British credit trust - car finance app
Shop Direct Finance Company
Bright Finance
Alliance and Leicester - personal loan app
Freedom Finance - Monieo
Zopa Ltd - personal loan app
Mackenzie Hall - Kilmarnock
Ocean finance
Norwich and peterborough building society

Lenders reporting equifax

Ge money
Hfo services
Studio express gifts
Robinson way
London scottish bank aka next
Natwest bank account
hsbc plc bank account
capitalone credit card

You know the highlighted names above in red, they are debt collection agencies! If they are searching you i'd be worried!

System

Hi

Just on the hunt for information (again!).

The 'Mortgages' section is looking a bit empty so if anyone has applied for a mortgage recently and knows which CRA was used I would really appreciate a post.

This could be very useful info for some people if one or the other of their credit files is a bit ropey and may improve someones chances of success (ie. if a lender only uses Experian and the applicant has a squeaky clean Experian but derogatory info on their Equifax).

All information is greatly appreciated, I hope the thread is still proving useful.

Regards
UNDERGROUND

Academic

UNDERGROUND wrote: »

Nope, sorry!

Finance is provided by Hitachi Capital, someone else may be able to tell you who they search.

Regards
UNDERGROUND

Hitachi Capital Consumer Finance use Experian.

badmoon

Hiya,

Wonderful thread. Just wanted to doublecheck, do Halifax only use Experian for mortgage applications?

I've got defaults (all settled) and over 4 years old on Equifax but not Experian so would like to know for certain. ta. x