CRA question

moneysavingallday

Which CRA do Barclays use when opening a current account? Doesn't appear to say in UNDERGROUND'S thread about CRAs.

sutton111

I believe Equifax

Breezy85

Yup they ID with Experian and check Equifax.
If its not showing up on your files Moneysavingallday then you must be that credit worthy that they said yes and didn't even check you.

I'm jelous well done

Breezy

moneysavingallday

Breezy85 wrote: »

Yup they ID with Experian and check Equifax.
If its not showing up on your files Moneysavingallday then you must be that credit worthy that they said yes and didn't even check you.

I'm jelous well done

Breezy

You are funny. How could they even know if I was creditworthy without checking me? It is not possible.

All they've done so far is an ID check with Equifax. Nothing more.

But i don't think ID checks actually show anything anyhow, other than your name.

cifpower

When I applied for a Barclays account they gleaned info from my Equifax file and asked me to answer questions on it online.

Scousebird_2

Barclays use both agencies but will register a search under Equifax first-however they regularly report back to Experian also so you have to maintain the account well-why do you ask?

Breezy85

I find it hard to believe they have actually opened the account then if it's not showing on your Equifax file then. Very strange. So did the Barclays staff actually say that the account was opened. I'd stear clear if they treated me like that. I guess you should shop around for a different account then?

Breezy

moneysavingallday

Breezy85 wrote: »

I find it hard to believe they have actually opened the account then if it's not showing on your Equifax file then. Very strange. So did the Barclays staff actually say that the account was opened. I'd stear clear if they treated me like that. I guess you should shop around for a different account then?

Breezy

No, it IS showing on my Equifax file but there is nothing on my Experian file. I was under the impression Barclays search Equifax first and then search Experian before they can approve the account. For me they've only searched Equifax.

I was told the account is "approved" when I phoned up. I was also told the account is "approved" when I went into the branch.

Breezy85

moneysavingallday wrote: »

I was also told the account is "approved" when I went into the branch.

Oops! don't you mean branchES?

God all this trouble just for a current account.

Breezy

moneysavingallday

Here is how the search is listed on my Equifax report:

Authentication Barclays Bank Plc

moneysavingallday

Scousebird wrote: »

Barclays use both agencies but will register a search under Equifax first-however they regularly report back to Experian also so you have to maintain the account well-why do you ask?

so at what stage do they conduct the Experian search?