Credit Reference Agencies - Who Really Uses Who? II

stclair

This may answer the question:

https://forums.moneysavingexpert.com/discussion/3302732

System

After some digging about and a request for info on the Sub-prime thread it seems that Aqua card are using Callcredit to 'pre-check' or screen applications, then using Experian for the full credit search.

I have amended the entry for Aqua card (under Halifax / Bank of Scotland) to reflect this.

If anyone knows any different, please let me know.

Regards
UNDERGROUND

majorwally

Your showing Sainsburys bank as NOT reporting under loans, but surely this can't be right.
Checked my credit file and my loan is definitely reported.
Why no update on this as it's misleading people?

big_Daddy_Dave

thanks underground.

Barclaycard, when you apply does it ask for info on your credit file, like limits, number of accounts, how long etc like it does with store credit and stuff?

really dont want to pay £15 to renew experian just to note down the small details of what I have

izools

big_Daddy_Dave wrote: »

thanks underground.

Barclaycard, when you apply does it ask for info on your credit file, like limits, number of accounts, how long etc like it does with store credit and stuff?

really dont want to pay £15 to renew experian just to note down the small details of what I have

Doesn't ask for much of this information but you only need pay £2 to get your statutory credit report online if you want to see your limits and balances recorded against al your accounts

big_Daddy_Dave

oh yes forgot about that, I actually bought that before subscribing to it, but never used it, I got the code, had it for about 5 months, would it still work?

im having terrible short term memory loss at the moment knowing how long Ive had an account or how many credit products I have is pretty hard.

stat report looks like the best option, thanks

jackjones01

Does anyone know if the Aqua card reports in full like Capital One or does it report like Vanquis.

izools

What he means is whether it reports balance, limit, payment amount, no. cash withdrawals, promotional rate y/n, minimum payment y/n each month.

Vanquis doesn't share this info just the on time / late indicators each month.

Aqua (Halifax) report in the same way Capital One do; they share all the information

MoneyWasting_Expert

Experian shut down at nights? Guess that what the technical message is about? Anyhow anyone know how I can take new snapshots of my credit file with Experian. With Equifax you can re-order once every 24 hours and get a new snapshot but cant find anying on creditexpert or do they automatically take snapshots?

System

majorwally wrote: »

Your showing Sainsburys bank as NOT reporting under loans, but surely this can't be right.
Checked my credit file and my loan is definitely reported.
Why no update on this as it's misleading people?

Hi majorwally

By leaving the 'report' field blank I'm not inferring that they do not report the account, just that nobody has told me who they report to.

If you'd care to share that information I shall update it ASAP.

Regards
UNDERGROUND