Credit Reference Agencies - Who Really Uses Who?! UPDATE

coldoasis

Bump

Why isn't this a sticky (got to be more useful than who accepts Amex)
13 pages i had to go through to find it

Its a valuable resource

System

Hi all

Just had a refresh of post #1 and weeded out some redundant info.

Found the following whilst updating:

• MINT, Argos credit card, Sky card, all Citicard - not currently taking applications / discontinued.
• Barclaycard Masterloan no longer being issued (refers to Barclays)
• Welcome Finance no longer taking personal loan applications
• Alliance & Leicester and Abbey credit cards no longer being issued - only card available is Santander Zero

As usual any information gratefully received - especially for loans and mortgages.

Regards
UNDERGROUND

Cash_Flow

UNDERGROUND wrote: »

Hi all

Just had a refresh of post #1 and weeded out some redundant info.

Found the following whilst updating:

• MINT, Argos credit card, Sky card, all Citicard - not currently taking applications / discontinued.
• Barclaycard Masterloan no longer being issued (refers to Barclays)
• Welcome Finance no longer taking personal loan applications
• Alliance & Leicester and Abbey credit cards no longer being issued - only card available is Santander Zero

As usual any information gratefully received - especially for loans and mortgages.

Regards
UNDERGROUND

I don't undestand what you mean with regards to Barclaycard Masterloan??

System

Cash_Flow wrote: »

I don't undestand what you mean with regards to Barclaycard Masterloan??

I mean that Barclays are no longer offering personal loans under the Barclaycard Masterloan brand. When you click on the 'Loans' link on the Barclaycard website it takes you to a page referring you to Barclays.

Even then Barclays are only offering loans to their own current account customers.

Barclaycard Masterloan were one of the few that only search Equifax.

UNDERGROUND

never-in-doubt

Underground - just want to say excellent update to thread with the links on page 1 - makes life sooooo much easier to go straight to the actual lenders page.

Thanks.

side note, can you add the sygma silver card to the sygma list :-)

siddiqr

Okay - i've just taken out mortgage with Nationwide who only searched Experian. My experian and equifax reports are total contrast.

Bank of america search callcredit. Just got a refusal.

Hope this helps.

UNDERGROUND wrote: »

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

Cash_Flow

siddiqr wrote: »

Okay - i've just taken out mortgage with Nationwide who only searched Experian. My experian and equifax reports are total contrast.

Bank of america search callcredit. Just got a refusal.

Hope this helps.

Bank of america being (MBNA) ?

never-in-doubt

siddiqr wrote: »

Bank of america search callcredit. Just got a refusal. Hope this helps.

Hiya

Bank of America as in MBNA or different? Please clarify.....

never-in-doubt

Cash_Flow wrote: »

Bank of america being (MBNA) ?

You've read my mind lol.....

I didn't think they used CC, they usually use Experian...... :j

System

never-in-doubt wrote: »

Underground - just want to say excellent update to thread with the links on page 1 - makes life sooooo much easier to go straight to the actual lenders page.

Thanks.

side note, can you add the sygma silver card to the sygma list :-)

Cheers n-i-d, took a while to link the lot!

I had already linked the Sygma Silver to 'Sygma Bank', will now link separately for clarity.

Regards
UNDERGROUND