Credit Reference Agencies - Really Use Who UPDATE II

Innocent_Guy

sutton111 wrote: »

Next searched my Brothers Experian and not his Equifax. They searched this back in December.

Interesting

043775

never-in-doubt wrote: »

No they do not. They search Experian and sometimes Equifax depends on the data retrieved from Experian. This is proven.

Please post an image of all 3 CRA's (your reports - removing personal data) if you can see a search on all 3 by N Brown (JD Williams)

What do you mean a search on internal systems, what internal systems? All companies search internally to check for customer matching profiles..... but do you mean some other kind of system or what?

YES THEY DO. I should know im the one who opens the accounts as I work for them and have done for the last 3 years ;-)

Rose123

043775 wrote: »

YES THEY DO. I should know im the one who opens the accounts as I work for them and have done for the last 3 years ;-)

They search all three then?

victor-meldrew_4

043775 wrote: »

YES THEY DO. I should know im the one who opens the accounts as I work for them and have done for the last 3 years ;-)

ok.
well what is it that makes them use a cra other than experian then. most people on here have been searched experian.so what is it,something in the application,? that makes them usea different cra.are you saying its random?

robbo990

Searched Experian (JDWilliams Appears) and Call Credit (N Brown Appears)here.

Nothing on Equifax though.

kittiej

I had a phone call about applying for a Halifax cc the other night and the man told me at least three times that they search Experian.

Rose123

kittiej wrote: »

I had a phone call about applying for a Halifax cc the other night and the man told me at least three times that they search Experian.

Yep, im aware halifax search experian as when i applied, the search did not appea on any of the other 2 CRA's

043775

victor-meldrew wrote: »

ok.
well what is it that makes them use a cra other than experian then. most people on here have been searched experian.so what is it,something in the application,? that makes them usea different cra.are you saying its random?

Experian is the main CRA that is used however we do search the other 2 CRAs also depending on the information found on experian. As you can appreciate not every financial organisation uses experian so that's why all 3 CRAs are checked at times.

Plus just because there isn't a credit search footprint on another CRA it does not mean that one hasn't been done. As credit searches can be done by organisations without it showing on your credit report. :-)

They will also do search internally meaning for example if you have a JD Williams account that is in arrears and then you apply for a simply be account you will be more than likely be declined.

Rose123

043775 wrote: »

Experian is the main CRA that is used however we do search the other 2 CRAs also depending on the information found on experian.

I think NID did mention this didnt he?

digitalphase

Innocent_Guy wrote: »

It seems although this is now common practice.

Did you get accepted?

Yeah - £150 limit