Different credit ratings?

abby1234519

My credit rating with equifax and experian is bad but not with callcredit? its good with callcredit! why!

can someone point me to the thread about which companies use which credit check

PROLIANT

Monument Visa only check Call Credit, everbody else checks Experian and Equifax. Barclaycard only check Equifax as do Flybe, JJB and any of the Sygma Bank card famliy, other than that they all check both Experian/Equifax or just Experian.

benf90

If by 'credit rating' you mean those 3 digit numbers they charge extra for then I wouldn't pay much attention to them.

They're useless to be perfectly honest.

This thread should be the one you're after I think:

http://forums.moneysavingexpert.com/showthread.html?t=1033817

The article on this site about credit files/scoring is always worth a read if you haven't already looked at it:

http://www.moneysavingexpert.com/banking/credit-rating-credit-score

PROLIANT

abby1234519 wrote: »

can someone point me to the thread about which companies use which credit check

www.themonumentcard.co.uk

abby1234519

Well if we go by the "stars" it says both the Es have 1 star and call credit is 3 star.
I am financially linked with OH and he has a default could that affect it?

Sammy_Girl

Hi Abby,

Different lenders report to different CRAs, so your rating will vary on each one. For example, Callcredit I have 3 defaults, Equifax I have 2 defaults, and Experian I have 0 defaults. It is really random, but if you're looking for a lender go with one who searches your best file.