Credit Reference Agencies - Who Really Uses Who? II

Experian_company_representative

jmabnc wrote: »

Hi I have all the green ticks on Experian, but I applied to equifax for the trial,they took my bank details,but they wont let me on,it says my name is WRONG, yes I do spell my first name different,but things I have applied for have not shown on my credit expert,please could someone help,because I am worried about equifax taking money out of my bank and want to see my credit history, ! thanks hope you can help......anyone please ?

Sounds like you need to contact Equifax to help them confirm your ID. You should also make sure that your CreditExpert profile includes all variations of your name, otherwise you might not being seeing all your data.

star-fire wrote: »

I hope you checked your experian credit score b4 applying LOL

Of course

James

BugsyBrowne

Experian_company_representative wrote: »

Sounds like you need to contact Equifax to help them confirm your ID. You should also make sure that your CreditExpert profile includes all variations of your name, otherwise you might not being seeing all your data.



Of course

James

Sorry was meant to say have you wasted your money on that generated, untrue,pathetic,meaningless,credit score.

karatedragon

star-fire wrote: »

Sorry was meant to say have you wasted your money on that generated, untrue,pathetic,meaningless,credit score.

People are very unkind to the CRAs on here :eek:

Dr_Cuckoo3

star-fire wrote: »

Sorry was meant to say have you wasted your money on that generated, untrue,pathetic,meaningless,credit score.

He probably gets it free - as an employee of the company :whistle:

andyhawkins

Hi guys

In respect to my previous post. Nationwide will log a search on experian but they deffo went through my equifax file in detail.

If anyone is uncertain on who uses who? just call a lender, speak to an underwriter and ask them who they use? ask them are they certain, even quote all 3 agencies! If the answer backs in to what you already believe to be correct then you shouldn't have a problem.:j

BLT_2

Dr_Cuckoo3 wrote: »

He probably gets it free - as an employee of the company :whistle:

Even if he gets it free he's still being overcharged for it :rotfl:

lordsnooty01

Love this website and forum and especially this post!! 

Does anybody know who Audi finance use?? I think they self fund I.e. Vw group but would be great to know which CRA they use!!?

Thanks

Its-A-New-Age-Thing

andyhawkins wrote: »

ok i'm pretty sure this is going to help and even though I am now sorted with my mortgage I understand what people go though who are declined and really need to be certain on their next application.

As per my last post i have an alright experian file but a god awful equifax and callcredit report, I got turned down with nationwide (who deffo use equifax as they leaked out why I had been declined and it was connected with things only on my equifax file) Also got turned down by santandar a few months ago

I dabbled with the idea of using Brittania who i know don't use equifax but they confirmed with me today they deffo use callcredit as well as experian.

Having discussed this situation with my mortgage advisor we did some checking out and turned out that Halifax only do a experian search.

To validate this he even spoke to one of the senior halifax underwriters who confirmed this!

Sure enough put the application through and have been approved straight away for £300k worth of borrowing!

I hope this helps everyone, good luck with this helpful thread!

if u want a trully MAGICAL 100% experian search only experience use clydesdale or yorkshire bank, experians the only man for them for everythin the mjority of others MAY be arguable

oh and EXPERIAN COMPANY REPRESENTATIVE

talk me through ure bargain price of £7 for a credit score which means jack !!!!!! in the real world, why not 99p maybe more people would buy one???, but chargin people £7 for a score that means jack !!!!!! to any lenders, has gotta be almost criminal surely?

i love it when theres been a search on my experian credit file and i get an INSTANT message saying, quick hurry and pay us £7 for a credit score that means sweet fa, as that search may have changed ure score, VERY CONSIDERATE to send us one of these £7 bargain invitations on EVERY OCCASION..... yeah its gotta be said experians not about squeezin as much cash as it possibly can out of consumers......NO SIREE you guys CARE TO MUCH..........thats what it is.

:money:

BugsyBrowne

Its-A-New-Age-Thing wrote: »

if u want a trully MAGICAL 100% experian search only experience use clydesdale or yorkshire bank, experians the only man for them for everythin the mjority of others MAY be arguable

oh and EXPERIAN COMPANY REPRESENTATIVE

talk me through ure bargain price of £7 for a credit score which means jack !!!!!! in the real world, why not 99p maybe more people would buy one???, but chargin people £7 for a score that means jack !!!!!! to any lenders, has gotta be almost criminal surely?

i love it when theres been a search on my experian credit file and i get an INSTANT message saying, quick hurry and pay us £7 for a credit score that means sweet fa, as that search may have changed ure score, VERY CONSIDERATE to send us one of these £7 bargain invitations on EVERY OCCASION..... yeah its gotta be said experians not about squeezin as much cash as it possibly can out of consumers......NO SIREE you guys CARE TO MUCH..........thats what it is.

:money:

Lol very true

karatedragon

My experian file was searched when I obtained a quote for home insurance from Direct Line.

Bit cheeky really. I had NO searches until then.

I suppose that was buried in the:

[x] I agree to the terms of obtaining this quote.

Doubtless I will be inundated with junk mail and begging letters from Direct Line now which I will just post back to them with no stamp.

Next time I want an insurance quote I shall use a false name and a different flat where I live of the same style as mine.

I doubt it will be very long before the local Pizza delivery will be doing an Experian search to make sure you live at your address, the local chippy and the window cleaner. I notice British Gas has jumped on the Experian Bandwaggon too.

This all needs looking into. I certainly won't be filling in the electoral form any more.