Credit Reference Agencies - Who Really Uses Who? II

edited 26 May 2016 at 1:07AM in Credit File & Ratings
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Legacy_userLegacy_user Forumite
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edited 26 May 2016 at 1:07AM in Credit File & Ratings
Below is a list of major financial companies which provide bank accounts, credit cards, mobile phone contracts, loans, home shopping catalogues, mortgages and motor finance which I will update with which credit reference agency (CRA) they use to search and report to as people post it up.

PLEASE HELP KEEP THIS THREAD UP TO DATE BY POSTING UP ANY INFORMATION YOU HAVE - T H A N K S :)

DISCLAIMER: THIS POST IS A GUIDE ONLY AND ANY INFORMATION CONTAINED WITHIN IS NOT GUARANTEED TO BE ACCURATE. ALL INFORMATION POSTED IS BASED ON THE EXPERIENCE OF OTHER MSE FORUM USERS


Free access to Equifax credit report: Clearscore
Free access to Call Credit credit report: Noddle

Key:
EX = Experian
EQ = Equifax
CC = Call Credit

* = An asterisk symbol next to a CRA in an entry denotes that most forum users have reported that the lender uses that CRA.

# = An hash symbol next to a CRA in an entry denotes that this was my personal experience when I applied for the product. This was my experience, yours may be different!



BANK CURRENT ACCOUNTS

Allied Irish Bank (First Trust Bank)
Search: EQ (see post #99)
Report:
Bank Of Cyprus
Search: EQ
Report: EQ
Bank Of Ireland
Search: EQ
Report: EX, EQ
Barclays
Search: EX#
Report: EX, EQ, CC
Citibank
Search: EX
Report: EX
Co-operative Bank (incl. smile)
Search: EX#
Report: EX, EQ, CC
Cumberland Building Society
Search:
Report: EQ
Danske Bank
Search: EX
Report:
Halifax & Bank of Scotland
Search: EX#, EQ, CC
Report: EX, EQ, CC
HSBC (incl. First Direct)
Search: EX#, EQ
Report: EX, EQ, CC
Lloyds
Search: EX, CC
Report: EX, EQ, CC
Marks & Spencer (HSBC)
Search: EX, EQ, CC
Report: EX, EQ, CC
Metrobank
Search: EQ
Report: EX, EQ, CC
Nationwide
Search: EX
Report: EX, EQ, CC
Norwich & Peterborough Building Society
Search: EX, EQ
Report: EQ, CC
Royal Bank of Scotland & NatWest
Search: EX#, EQ#
Report: EX, EQ, CC
Santander
Search: EX
Report: EX, EQ, CC
Tesco Bank
Search: EX, CC
Report: EX, EQ, CC
TSB
Search: EX
Report: EX, EQ, CC
Yorkshire Bank & Clydesdale Bank (National Australia Bank Group)
Search: EX#
Report: EX, EQ, CC


Continued.....
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