Credit Reference Agencies - Really Use Who UPDATE II

dukey

I believe Norwich and Ppeterborough use Experian for their mortgage checks...

stclair

I used to work for a bank and there system for processing account applications used to have various functions before you began to key the application for the customer;

Being:

Process application with credit search (footprint)
Process application with credit search (without footprint)
Process application with Identity Check / AML

I was also wondering on this topic:

When you apply for some jobs they do a credit search on you but that never shows on your credit file does it why?

Its a good point though who is credit searching us and we dont even know about it :mad:

rolo-polo1965

Just applied for a halifax mortgage and they searched Experian

Rose123

stclair wrote: »

I used to work for a bank and there system for processing account applications used to have various functions before you began to key the application for the customer;

Being:

Process application with credit search (footprint)
Process application with credit search (without footprint)
Process application with Identity Check / AML

I was also wondering on this topic:

When you apply for some jobs they do a credit search on you but that never shows on your credit file does it why?

Its a good point though who is credit searching us and we dont even know about it :mad:

True, When I applied for a job with Halifax and I got the job offer they did credit search me and the search did appear on my credit files and my other employer did credit search me but nothing showed up on my files so i will be asking if this is the case (the claim that companies can do invisible searches)

Seems to be a heated conversation here :cool:

Good evening everyone by the way, lol

Andy_Ches

043775 wrote: »

I dont think your understanding.

JD Williams can use all 3 CRAs im not saying they do in every case.

They might go for some customer but not others.

The only reason invisble credit search was mentioned so to speak was mentioned was becuase I used to work at Lloyds and in the system it used to have a function to credit search without footprinting.



I'm sorry but as you have previously been advised on several occassions there is no search thing as an invisible search. I myself have had a complaint escalated to director level at one of the CRA's and so know a fair bit about credit reports/files.

Andy_Ches

Rose123 wrote: »

True, When I applied for a job with Halifax and I got the job offer they did credit search me and the search did appear on my credit files and my other employer did credit search me but nothing showed up on my files so i will be asking if this is the case (the claim that companies can do invisible searches)

Seems to be a heated conversation here :cool:

Good evening everyone by the way, lol

They cannot perform a credit search as you are not entering into a credit based agreement.

Your credit file may be searched but this should be recorded as 'Search for the purpose of Employment' or 'Employment Vetting'.

stclair

Andy_Ches wrote: »

043775 wrote: »

I dont think your understanding.

JD Williams can use all 3 CRAs im not saying they do in every case.

They might go for some customer but not others.

The only reason invisble credit search was mentioned so to speak was mentioned was becuase I used to work at Lloyds and in the system it used to have a function to credit search without footprinting.



I'm sorry but as you have previously been advised on several occassions there is no search thing as an invisible search. I myself have had a complaint escalated to director level at one of the CRA's and so know a fair bit about credit reports/files.

*scratches head* it does seem dodgy to me personally.

All my searches have always shown up except an employment one from a few years ago.

Andy_Ches

All searches, whatever type they maybe....'unrecorded' 'quotation' identifaction check' employment vetting check' credit search' that have ever been performed on my files have shown up.

Rose123

Andy_Ches wrote: »

They cannot perform a credit search as you are not entering into a credit based agreement.

Your credit file may be searched but this should be recorded as 'Search for the purpose of Employment' or 'Employment Vetting'.

It just came up as unrecorded enquiry, not a credit search, i used the wrong set of words, apologies

I am 100% sure it did not say employment vetting though!

Andy_Ches

Rose123 wrote: »

It just came up as unrecorded enquiry, not a credit search, i used the wrong set of words, apologies

I am 100% sure it did not say employment vetting though!

It may be an unrecorded search also...i.e. they haven't searched your files for the purposes of a credit check or quotation.