Credit Reference Agencies - Who Really Uses Who? II

izools

xTheBearx wrote: »

Yeah mortgage has been offered, and move into my new place beginning of July.

Congratulations! Time for celebration. Enjoy your new property :cool: :beer:

mistrey

Any one know who Sainsbury bank check with?

jolfc

mistrey wrote: »

Any one know who Sainsbury bank check with?

experian for credit cards,

mistrey

How about for loans?

The_Matelot

mistrey wrote: »

How about for loans?

They searched experian for me shipmate!

marcellep

This is a copy of the companies that I use or have used recently and who they report too

REPORT TO

Ace Gift and Cards Reported: to all 3 CRA

Virgin Mobile: Equifax Only

Virgin Media: Equifax Only

Great Universal: All 3 CRAs

Next: All 3 CRAs

Kaleidoscop: Equifax and Experian

Advantage finance: Call Credit and Experian

CitiBank: Experian


Great Thread

kittyoc

hi there,

what is the difference between a 'search' and a 'report'?

Thanks!

izools

Search refers to which credit reference agencies a creditor checks with when you apply for an account with them.

Report refers to which credit reference agencies report your account conduct to.

So whilst First Direct (for example) may only look at your experian credit file to see how your credit is when you apply for an account with them, they tell all three (Experian, Equifax, and Call Credit) how you're doing once you've opened an account with them.

big_Daddy_Dave

Debt-Regret wrote: »

You do NOT have a 72 score, after being with them less than a year :rotfl: :rotfl:

I'll paypal you a tenner, sar them and post the page that shows "Customer Profile AOD" which contains the behavioural lending limits :cool: They tell you anything on the phone, to make you go away! Don't believe them.

izools wrote: »

Yes I get the same screens on mine, I haven't gone through the process though as it is subject to a credit check on Experian and Call Credit.

I spoke to the Advance team the other day and they confirmed a footprint is left against all overdraft increase requests irrespective of internal rating.

That and it would cost #25 as I've just reduced mine by half

EDIT: I viewed my score on the personal banker's screen last week when I collected my Advance CGC.

Several teams advised me that they have abolished lending limits now and refer to external reference agencies for all applications. They may have all mis-informed me, but that's what I've been told and it seems to reflect my experiences, too.

Debt-Regret wrote: »

p.s I know my behaviour score will let me apply up to £2000 before being declined that is why I can reapply for an increase immediately after applying for, and getting accepted. Trust me, I know my stuff with HSBC.

sorry didnt know who to quote, so Ill just quote all.

how do I go about getting my HSBC score? do I need to write them a letter? email?

thanks

and if so could I have some temlates please

Dave

big_Daddy_Dave

also, which agency does Perfect Home use?

that Brighthouse-esque store that doesnt even have a website

thanks