Credit Reference Agencies - Who Really Uses Who?! UPDATE

CannyJock

never-in-doubt wrote: »

Of course there is more to it than that - its easy to fabricate documents etc but that was a very bland example....

The rest, I entirely agree with you on......

Wouldn't have to fabricate. Just some carefully timed transfers from one account to another for bank statements, added to a basic ability to set your own payslip for a couple of months of the year. Wouldn't be fraudulent, but would be selective and carefully timed

spiritual1_2

YORKSHIRE BUILDING SOCIETY not yorkshire bank use equifax only

System

spiritual1 wrote: »

YORKSHIRE BUILDING SOCIETY not yorkshire bank use equifax only

Thanks for the info spiritual1.

Could you confirm this is for their mortgages?

Regards
UNDERGROUND

Its-A-New-Age-Thing

UNDERGROUND wrote: »

Thanks for the info spiritual1.

Could you confirm this is for their mortgages?

Regards
UNDERGROUND

yes it MOST CERTAINLY IS as i applied for a RE-MORTGAGE

oh and ive changed my user to its a new age thing which kinda means the same as spiritual1 yet not as OUT there lol

:A

stephane_2

never-in-doubt wrote: »

It used to be

Barclaycard = Equifax search
Barclays Bank = Experian search

That is no longer the case though - thus we're seeking exact clarity from those that do apply. I went for bank account a few months back and had a search on both files, but I believe that is cos I went for card at same time as bank account - i'm unsure to be honest...

You'll be fine mate cos you have barclaycards... :D

Just a quick update....got paper work today from Barclays, all I have to do is sign them & they'll open account. Instead of the £200 overdraft requested, it seems that they are going to give me £100. But that's fine as only using as a backup account & will not transfer salary in.
Barclays has only done an identification check with Equifax & nothing on Experian. It seems as you said NID that the fact of having already 2 barclaycard has played a part for them not doing a full search on Experian.

paulmcerlean

Santander Consumer Finance report to Call Credit.

Its-A-New-Age-Thing

Hi regarding clydesdale bank its not showing as who they search for mortgages etc

i think we can basically assume itll be EXPERIAN as they ONLY USE THEM and dont even REPORT to EQUIFAX...........WHATSOEVER

System

Hi all

Going to have to do a refresh and re-jig with post #1, I was doing a spot of updating earlier and exceeded the 25000 character limit!

Have deleted some small bits of text for now but will have to have a re-think on how to minimise character use otherwise I won't be able to update the post.

In the meantime please keep the info coming

Regards
UNDERGROUND

never-in-doubt

Mate swap the text for the CRA's (i.e. EX/EQ/CC) for coloured images so you get little boxes (5px x 5px) to replace this text (red, blue & green)..... like this kinda thing:

Like an itinerary sort of thing.....

karatedragon

stephane wrote: »

That is what they still do in France, there are no reference agencies, but credit cards are almost nil. Egg did try a few years ago but they had to close down as no one wanted them. When you go to the bank to request a loan, you have a real person deciding & not the system....it's not a perfect but it works.

They are better in France.Shame that can't be how we work here and boot the bums of the CRA's out the country.

How did our country become credit crazy? Where did it all go wrong?

France also ran that rip off Brighthouse (Crazy Georges) store off their land too. Good on them. Why didn't we do that here?

You know your town has gone to the dogs when Brighthouse move in. There's one opened in our High Street. There's always some fat bird on a mobility scooter paying for her rip off appliance in there. I feel like telling her she has been done!