Credit Reference Agencies - Who Really Uses Who?! UPDATE

never-in-doubt

OR maybe that you can only apply for one increase every 6 months..... usually the case (internal records show the date of last increase and their system would not allow you to reapply for one until 6mths have passed. The screen then shows a suggested value and if you apply to this they perform a soft search, if you ask for more they perform a full search)....

Thats the way it works there matey....

izools

Fair enough, I will be waiting six months now, although I was pretty angry with the telephone agent who put trough the second request for me who said I only need to wait two to three months.

The next person I spoke to said I have to wait six months between applications for an increase, and the one that I made in September is going to mark me down, so I now have the telephone number for a member of credit control who will do a manual increase in January if I've continued to run the account well etc

sscott5581

Tesco loans also report to Call credit.

Steven

chrisninja

this info is super usefull? can I ask though dose this mean there may be info held on my with one of the three agencies that isn't on another or do they all share teh exact information?

jani99

How much does the callcredit cost monthly,anyone knows?

Thank you

never-in-doubt

chrisninja wrote: »

this info is super usefull? can I ask though dose this mean there may be info held on my with one of the three agencies that isn't on another or do they all share teh exact information?

Different lenders subscribe to different CRA's and some use two or all three for reporting purposes. Look at page 1 and you'll see who reports (account conduct) to which CRA.

never-in-doubt

jani99 wrote: »

How much does the callcredit cost monthly,anyone knows?

Thank you

Don't waste your money - either pay for Experian or Equifax as they are the major CRA's - CallCredit is not as common and therefore buying their monthly report is a waste of money...

If anything, send £2 and request your statutory report as a one off.

cosmic_girl

Hey Folks,

Just got a new contract with Orange and they checked my equifax file, rather than experien.

Cheers x x x

System

cosmic_girl wrote: »

Hey Folks,

Just got a new contract with Orange and they checked my equifax file, rather than experien.

Cheers x x x

Thank you Duly updated.

UNDERGROUND

hax_2

Hi Underground

Excellent thread! I wish I'd seen it ages ago.

Do GM Card (issued by HFC) also search Experian and CallCredit, and not Equifax, just like HSBC?

Thanks a lot.