Experian - Most Important

Boris666

I think most of the companies use Experian for credit checks, other CRA's (Equifax & Call credit) are only used in conjunction with Experian but almost never used exclusively hence maintaining a good rating at Experian should be a priority..............I know someone who has a bad credit history with Equifax but a fair with Experian and hence manages to get new credit card and loan deals (6/10 times).......Does anyone know companies who do exclusively Equifax?

digp

there is an article here somewhere with that info

or try http://www.debthelpuk.co.uk/cgi-bin/yabb/YaBB.cgi?board=DHUL

Clariman

Boris666 wrote:

......Does anyone know companies who do exclusively Equifax?

It is impossible to have a 100% hard and fast rule about this because lenders may change which CRA they use or they may use one CRA for one product but a different one for another product. The table here has colour coded dots to show which CRAs lenders normally use.

Clariman

suniil

When i was in halifax to open account, they told me they use equifax for Credit check

The_Boss

I agree with the comments above. Exeperian does seem more important than Equifax.

I also called up several of the 'Equifax only' lenders in that link above. Several said they in fact used Experian. Sainsburys bank even said they used Equifax, but the search was done under Experian with no record of it on my Equifax account. So beware.

sandanista

"maintaining a good rating at Experian should be a priority" I second that. The information on my Experian file was much more comprehensive than that of Equifax.

sashacat

thanks, I have just sent for my report from experian..because as a result of this site I am now stoozing and have applied and been accepted for 3 cards....after not applying for any for a number of years.

kingkano

sandanista wrote:

"maintaining a good rating at Experian should be a priority" I second that. The information on my Experian file was much more comprehensive than that of Equifax.

And finally very soon people with RBS accounts etc will be able to agree with you. FOr 5 years now my mortgage hasnt existed according to Experian. And I had to prove it to 1 lender before they'd reconsider my application

blacksta

I was thinking on that level as well and it now confirms that most companies use experian

dog_training_2

i used to run credit checks for mortgage companies.
THEY ALL USE EXPERIAN NOW.
i should know, i have so many credit cards that i used a experian credit check to confirm the total number when i have them all stolen in a burglary!!
Yikes!! Yes!!