Credit Reference Agencies - Really Use Who UPDATE II

sutton111

Innocent_Guy wrote: »

Likewise, Noah has ammeded it now

Thanks.

I know he amended it, I was just agreeing with you.

sscott5581

:jBUMPING UP:j

naijapower

sscott5581 wrote: »

:jBUMPING UP:j

All correct....Good evening

sutton111

noah271007 wrote: »

Amended to report both EX and EQ

Noah my Brother checked his Experian file yesterday and Next Directory also search Experian, not only Equifax.

Also He applied for a HSBC Plus account and they searched both Experian and Equifax. I thought I would share the news with you.

never-in-doubt

HSBC always search both mate for bank accounts.... most banks do but hsbc certainly do! I mentioned this is part II

sutton111

never-in-doubt wrote: »

HSBC always search both mate for bank accounts.... most banks do but hsbc certainly do! I mentioned this is part II

When I applied in February they only searched Experian they never searched Equifax!!!

Niether did the Halifax. Barclays did search both and so did Natwest.

Gumption_Brash

From experience, I believe Clydesdale Bank use Experian exclusively. I've renewed a loan a few times with them and that seems to be the way they operate. Can anyone else confirm?

never-in-doubt

Gumption_Brash wrote: »

From experience, I believe Clydesdale Bank use Experian exclusively. I've renewed a loan a few times with them and that seems to be the way they operate. Can anyone else confirm?

thats the same for YB and they are one in the same..... maybe thats conclusive then

noah271007

sutton111 wrote: »

Noah my Brother checked his Experian file yesterday and Next Directory also search Experian, not only Equifax.

Also He applied for a HSBC Plus account and they searched both Experian and Equifax. I thought I would share the news with you.

I have updated and amended the list.

I believe HSBC do have a router system that they check EX and EQ on certain dates and then to EX and CC and so forth. Could anyone confirm this?

It seems that some lenders have different credit checks in different places, making it all harder for us to know for sure. The only way to know for sure is to ask the lender which CRA's they are going to credit search.

Keep them coming....

marcellep

What a very useful thread

Just to add my wee bit - I have been with Ace gifts and cards for years they have never reported to Experian, They only report to Experian and Call Credit