Who checks who?

RobBob_3

Recently got information from three credit reference agencies. Would be interested from anyone else who has checked them all which companies came up on which. Could be a basis for chosing credit cards who checks who (ie spread your cards over the agencies). Has anyone done this?

Experian http://www.experian.co.uk/

Held information from Capital One and Barclaycard

Equifax http://www.equifax.co.uk/

Held (apparently) no information!

http://www.callcredit.co.uk/corporate_scripts/index.asp

Held information from Barclaycard and Vodafone

dthyer

Yes, that's a good idea. Such a good idea that, as you suspected, it's already been done.

http://forum.moneysavingexpert.com/cgi-bin/yabb/YaBB.cgi?board=Questions;action=display;num=1095429763

Kudos to Galstonian for organising it.

DT

wirm

Are they allowed to charge us? i thought that the law stated that we could request to see information held about us?

omega27

Are they allowed to charge us? i thought that the law stated that we could request to see information held about us?

I belive under the DPA, they are allowed to charge a 'reasonable' fee for access to the information. £2 isn't too bad really, considering they'll have to pay postage, print it, put it in an envelope, cash the cheque etc...

wirm

to charge for accessing it online though! :-/

realaledrinker

In my experience, Experian reports are the only one worth having. The Equifax reports don't seem to log that many credit applications & the indebtedness section is not as accurate as Experian's. No experience of Callcredit.

wirm

Equifax charge £12!

Reaper

No, they all have to provide you a report for £2, although they don't like to draw attention to it.

Request it online here

Systemaddict_2

Callcredit do list most accounts but not all.

But unlike Experian and Equifax, Callcredit provide a running monthly outstanding balance for the last 12 months for every single account.

When credit searches are carried out, potential lenders can see how you have been conducting your accounts (i.e dormant or active and how much credit you have used in the past).

RobBob_3

True - I thought the Callcredit one was the most sophisticated - in the future presumably more people will use this