Credit Reference Agencies - Who Really Uses Who? II

Miles30

Metro Bank now reports to all 3 CRAs.

aldredd

Hello, recently opened a Norwich & Peterborough current account.
Whilst they searched and are now recording against my Equifax file, there is nothing for them in my Experian file - not even a search

Hope this helps

markphillips353

Hi all (first timer) i need a buy to let remortgage using experian only , i have read the replies in this post , but i am concerned if the listings are up to date , can anyone assist please,.......desperate!!

markphillips353

still desperate

Hazzinho

not sure what you mean? All credit files are up to date. do you mean you only want to use lenders that use experian only for credit checks?

markphillips353

hazzinho, yes mate that is exactly what i need , i have an excellent experian report , and a totally poor equifax report

izools

When you say "Excellent" experian and "Poor" equifax are you going by their "Scores", or the actual content of the report itself (searches, repayment history, etc)?

byebyedebt

Slightly off topic, but does anyone know what dates different companies update with the CRAs. For example Xx bank 1st of month. Dd bank 5th of month

stclair

byebyedebt wrote: »

Slightly off topic, but does anyone know what dates different companies update with the CRAs. For example Xx bank 1st of month. Dd bank 5th of month

I know RBS and Natwest send all there information on the first of the month. However it will update at different times with each CRA.

lordash

byebyedebt wrote: »

Slightly off topic, but does anyone know what dates different companies update with the CRAs. For example Xx bank 1st of month. Dd bank 5th of month

I believe Barclays report the overdrawn balance on the last day of the month, as do Halifax and Lloyds (although this could be the balance on the 1st of the month, I'm unsure).

Also Capital One report the CC Balance at the end of month to the CRAs -- bad for me because the payment date is the 4th of the month meaning that the reported CC balance is higher than the balance that shows on my CC statements.

Experian update their files on Wednesdays and Sundays. AFAIK Equifax update daily.