Credit Reference Agencies - Who Really Uses Who?! UPDATE

chardanna

Nationwide Mortgages:
Search: EX
Report: to EX, EQ, CC

I'm staff!

jamesd

HD1 wrote: »

When you say lenders "report to" particular agencies what do they actually report ? ... Is it that the account has been setup or just on default situations ?

It's normally the balance on the account and the credit limit along with on time or late payment reports for every month. For many credit cards it now also includes the amount paid, whether it was the minimum payment and whether you're in a special deal. Experian has an example credit report available. It's not just at setup or in default, it's every month.

stella2009

Not sure if it has already been posted but I have recently had the following accounts and they all searched Experian only. Will let you know when they start reporting:

Virgin Money Credit Card
Tesco Clubcard Credit Card
First Direct Current Account & Credit Card

stella2009

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

I applied with Cheltenham & Gloucester (Lloyds TSB) and they searched Experian only if thats of any help.

HD1

Anyone know if Tesco use Equifax only for credit cards as well as their loans, and has anyone any experience of their credit card service.

never-in-doubt

HD1 wrote: »

Anyone know if Tesco use Equifax only for credit cards as well as their loans, and has anyone any experience of their credit card service.

Experian only - as per page 1 suggests

HD1

never-in-doubt wrote: »

Experian only - as per page 1 suggests

Hi...you're right....I never looked under RBS for Tesco.

Sorry....:o

SarahMoon

Orange report to Call Credit aswell.

never-in-doubt

HD1 wrote: »

Hi...you're right....I never looked under RBS for Tesco.

Sorry....:o

They sometimes also check Equifax but only if Experian comes back 'dodgy' with anything bad or unclear....

stella2009

HD1 wrote: »

Anyone know if Tesco use Equifax only for credit cards as well as their loans, and has anyone any experience of their credit card service.

I have the Tesco Credit Card, nice and easy application online with an instant decision.

They search Experian for that though (they did for me anyway).