Credit Reference Agencies - Really Use Who UPDATE II

never-in-doubt

RoverT wrote: »

Oh i know but i thought it was worth mentioning. I'd always assumed Virgin used experian and thought my credit rating there was in good heath til i saw it. It's non existant!:rotfl:

Now i have to somehow get my credit history from my equifax credit report onto my experian account, depends if these companies will be willing to share the info with experian.:rolleyes:

Sorry maybe getting wires crossed here - Virgin CC use Experian, Virgin utilities (phone/cable/mobile) use Equifax. If it only shows on one file then thats all they use, you cannot transfer the info as it belongs to the lender. In effect you use this thread to search for credit relevant to your credit file so if Equifax has good markers then apply to companies who use equifax. If you have good experian then you stick with Experian searched companies - you follow me :beer:

sve

There is no such thing as invisible credit search. Banks ect can do a quotation search which does not leave a footprint on the file but not a credit search. In a quotation search they would only obtain the composite credit score of the agency they search and use it to either add in their own scoring system or (depending on the institution) just use the raw data to 'pre-approve' customers (please note the later can also happen based purely on the insitution's internal scoring system and customer analyses).

Brian_The_Lion

Does anyone know how closely santander cards and abbey are linked? Obviously parent company, etc.... and more importantly which CRA's they search?

I bank with abbey and have recently managed my account well enough for them to up my O/Draft by £500...

Ive seen a few credit cards I want to apply for to help get rid of my vanquis card but Im not sure if its worth my while applying just yet because of the increase in my overdraft...

PNPSUKNET

I applied for a natwest current account both online and in branch yesterday and a few days before and they both checked experian only.

TheEffects

Any ideas on if northern rock credit search you for their current account? According to their website it is in thier savings range?

Any ideas to the CRA used if any?

never-in-doubt

TheEffects wrote: »

Any ideas on if northern rock credit search you for their current account? According to their website it is in thier savings range?

Any ideas to the CRA used if any?

Northern Rock current account? They should use Experian, like Loans do but not 100% certain..... that would be the logic - anyone else able to confirm

danielanthony

I'm a Lloyds account holder and applied for a credit card with Lloyds. They checked both CALL CREDIT and Experian, the Call Credit entry is below:

Search Reference:XXXX
Search Organisation:Lloyds TSB Bank plc (SA,TAC,CT,SR ML)
Search Unit Type:LTSB Credit Cards Live API
Name:Mr XXXX
Date of Birth:XXXX
Address:XXXX
Search Date:03/06/2009
Search Purpose:Checking Credit Application

Cash_Flow

danielanthony wrote: »

I'm a Lloyds account holder and applied for a credit card with Lloyds. They checked both CALL CREDIT and Experian, the Call Credit entry is below:

Search Reference:XXXX
Search Organisation:Lloyds TSB Bank plc (SA,TAC,CT,SR ML)
Search Unit Type:LTSB Credit Cards Live API
Name:Mr XXXX
Date of Birth:XXXX
Address:XXXX
Search Date:03/06/2009
Search Purpose:Checking Credit Application

How long have you banked with Lloyds for?

danielanthony

Cash_Flow wrote: »

How long have you banked with Lloyds for?

About 6 years.

danielanthony

They also did this one on my Call Credit file:

Search Reference:XXXX
Search Organisation:Lloyds TSB Bank plc (SA,TAC,CT,SR ML)
Search Unit Type:ltsbliveapi
Name:MR XXXX
Date of Birth:--
Address:XXXX
Search Date:03/06/2009
Search Purpose:Administration Review

But they only did one search on Experian:

Name:MR XXXX
Address:XXXX
Date of birth:XXXX
Searched on:03/06/2009
Searched By:LLOYDS TSB BANK PLC
ApplicationType:Credit Card