Credit Reference Agencies - Who Really Uses Who? II

Hank_Marvin

I don't see any info for the Saga card as i'm looking for a new one from tesco/mbna/sainsburys/cap 1 and was trying to match up Saga credit reference agency..

Dr_Cuckoo3

Hank_Marvin wrote: »

I don't see any info for the Saga card as i'm looking for a new one from tesco/mbna/sainsburys/cap 1 and was trying to match up Saga credit reference agency..

UNDERGROUND wrote: »

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

CREDIT CARDS

Allied Irish Bank (incl. Saga, First Trust Bank)
Search: EQ
Report: EX, EQ

We assume that they use Equifax only

bear in mind Saga are reported as declining applications if the applicant holds four or more credit cards elsewhere

Hank_Marvin

Cheers Dr. I have my saga card for 2 years and was looking for another 1.
May look into the post office card, does it give an instant yes/no mate??

Vipul5

Any idea who Nationwide and Sainsbury's uses for bank accounts and, more importantly, their loan products?

Also, does anyone know of loan providers that check just Experian and don't need you to have a bank account with them?

Thanks

System

Vipul5 wrote: »

Any idea who Nationwide and Sainsbury's uses for bank accounts and, more importantly, their loan products?

Also, does anyone know of loan providers that check just Experian and don't need you to have a bank account with them?

Thanks

Hi Vipul5

All the information you are looking for is on the first page of this thread.

Regards
UNDERGROUND

Dr_Cuckoo3

Argos Store card also reports to Call Credit

Norwich & Peterborough current account reports to Call Credit and Equifax only
http://www.nandp.co.uk/current-account/

Intelligent Finance current account reports to Call Credit Experian and Equifax
http://www.if.com (not available to new customers)

Findel catalogues also reports to Call Credit

Cumberland Current account only reports to Equifax
http://www.cumberland.co.uk/current-accounts

In the case of Cumberland , IF and N&P - they are old accounts that have started reporting recently so I do not know who they search for new applications

BugsyBrowne

Dr_Cuckoo3 wrote: »

Argos Store card also reports to Call Credit

Norwich & Peterborough current account reports to Call Credit and Equifax only
http://www.nandp.co.uk/current-account/

Intelligent Finance current account reports to Call Credit Experian and Equifax
http://www.if.com (not available to new customers)

Findel catalogues also reports to Call Credit

Cumberland Current account only reports to Equifax
http://www.cumberland.co.uk/current-accounts

In the case of Cumberland , IF and N&P - they are old accounts that have started reporting recently so I do not know who they search for new applications

N&P searches experian for their applications for current accounts.

Dr_Cuckoo3

star-fire wrote: »

N&P searches experian for their applications for current accounts.

Interesting that they dont report to Experian then

its not listed in the useful addresses on Experian

"Useful addresses
The following addresses will help you to contact lenders or other organisations if you want to ask them about information on your report"

or "Account information"


They started reporting to Equifax in March 2010 "NORWICH & PETERBOROUGH BULDNG SCITY (I)"

I am also surprised that there is no mention of N&P Current accounts at the start of this thread , only mortgages are listed

Have you applied to N&P ?

Dr_Cuckoo3

N&P claim to use all three - so it may be pot luck like Metrobank which one they use for the initial search

http://www.nandp.co.uk/personal-data-clause

BugsyBrowne

Dr_Cuckoo3 wrote: »

Interesting that they dont report to Experian then

its not listed in the useful addresses on Experian

"Useful addresses
The following addresses will help you to contact lenders or other organisations if you want to ask them about information on your report"

or "Account information"


They started reporting to Equifax in March 2010 "NORWICH & PETERBOROUGH BULDNG SCITY (I)"

I am also surprised that there is no mention of N&P Current accounts at the start of this thread , only mortgages are listed

Have you applied to N&P ?

My girlfriend is with N&P which she has been with since 2008,and I can defiantly verify they credit checked her on Experian at the time.

They might have changed now mate but at the time it was defiantly Experian.

And MBNA for there credit card.