Credit Reference Agencies - Who Really Uses Who?! UPDATE

muswell007

hsbc mortgages credit check experian, nat west and rbs mortgages credit check on equifax, northern rock credit check on experian and report to both ex and eq

izools

muswell007 wrote: »

hsbc mortgages credit check experian, nat west and rbs mortgages credit check on equifax, northern rock credit check on experian and report to both ex and eq

Natwest & RBS Mortgages check both EQ and EX. EQ pre-underwriting, and EX post-underwriting by the AVU

paulmcerlean

Motor Finance updates:

Blackhorse search Experian
Santander Consumer Motor Finance Search Experian
Alphera Finance search Experian

Santander consumer Motor Finance report to Experian and Equifax.

plumber2009

Please note that DSG Retail (Dixons, Currys, PC World) use HFC Bank which search both Experien and Equifax. Not sure about Call Credit.

This is for all store credit including 0% for 3, 6 and 12 month offers.

hax_2

Co-op CC also report to Call Credit (its on my statutory report).

Bosie

Thinking of having a change from Sky and BT so applied to Virgin for broadband/tv services. Anyway just checked and they have checked with EQUIFAX.
I no longer subscribe to Experian so not sure if they check them as well?

wayne99

Bosie wrote: »

Thinking of having a change from Sky and BT so applied to Virgin for broadband/tv services. Anyway just checked and they have checked with EQUIFAX.
I no longer subscribe to Experian so not sure if they check them as well?

virgin media only check and report to Equifax

hax_2

Hi, does anyone know if Asda (credit card) also check Equifax? Their website only says Experian, but on the 1st page of this thread, it says Asda check both?

never-in-doubt

hax wrote: »

Hi, does anyone know if Asda (credit card) also check Equifax? Their website only says Experian, but on the 1st page of this thread, it says Asda check both?

Santander = both

hax_2

Are they misleading then? I found this in their FAQ's:

[URL="javascript:;"]If my application is declined can I find out why?[/URL] Yes we will send you a letter, plus you can get a copy of your credit information by writing to Consumer Help Service, Experian, PO Box 8000, Nottingham, NG80 7WF or visit https://www.experian.co.uk