credit reports are they all the same equifax eperian callcredit ?

wannabee

any point in getting all 3 would they say the same or would they be different ?

thanks matt

LeeSouthEast

Callcredit had something the other two didn't, and Equifax had something Experian didn't. However there were no recorded searches on Callcredit at all, so although they listed the most (past and current), no one seems to look at it.

Personally I'd say yes it's worth checking them, but if you want to save a bit of cash, request your Statutory Report from Callcredit for the £2 fee. This will save you a tenner. Then do the free trials with the other two.

damoandclaire

shouldn't they all be looking at the same info surely though? I mean, we can't choose which company a creditor would go through and as such if ones holding different info than the other, surely, decisions could be biased on that basis.

Surely they should ALL be looking at the same information to make sure that which ever company happens to be used for credit searches, the decision can be based on the same information.

dannynixon

It depends because your creditor will report your payments, late payments etc to a credit reference company. They don't bother reporting to all of them.

Some ppl have been on the loan boards trying to find out who reports to who when applying for a loan based on which credit report is the best in their scenarion. Madness though..

damoandclaire

i know it probably wouldn't help anything, but so its fair and equal and given how we all struggle in this current climate, you'd think the government would do something, god for bid lol

LeeSouthEast

Different companies use different pairs of CRA's. Some only use one. That's why the reports differ and why you need to check all 3.