Credit Reference Agencies - Who Really Uses Who? II

Melos1979

Hi

This thread is excellent and very informative. Would anyone be able to tell me who the natiowide and post office would use to complete a search on a mortgage application . Thanks

darlyn

UNDERGROUND wrote: »

Hello all

Just a quick update...........

I applied for an Amex Nectar card recently and as an existing customer did not get credit searched, just an unrecorded enquiry.

I also got a top-up on my Tesco loan and they searched both Equifax and Experian, they only searched Equifax when I originally took the loan.

Please keep the information coming if you've recently applied for credit, you may just help someone else out!

Regards
UNDERGROUND

Hi Underground,
newbie here.....Firstly - EXCELLENT work here, thanks in advance.:beer:

K, We (wife and I !) finished an IVA last year. The details are now falling off EQ and EX as just passed 6 year mark. looking to build up credit rating now... we have a mobile contract (for 10 years+), and a standard bank account (for 5 years+) already. Wife just got a 'granite' CC accepted (they searched EX BTW). Have our mortgage and a £50 overdraft facility - that's it. We have a fair amount of joint income, and plenty of 'disposable' income. Do you think I'd get accepted for a mainstream CC (which one, dont want to touch LTSB, Goldfish, MBNA....cant remember the other one!), or better to go for a 'bad credit' CC? I'd appreciate ideas as I dont want to apply for something standard if I aint got a prayer yet of getting it!! (Dont want to spoil my zero searchs on the CRA's!!)

Appreciate any input guys....:D

boogiemaster

Anyone have BT on their credit file because I've been with them a very long time and no payment details show on my credit file?

darlyn

boogiemaster wrote: »

Anyone have BT on their credit file because I've been with them a very long time and no payment details show on my credit file?

BT dont show on my EQ or EX, and I have been with them for years. I saw somewhere on here that they dont currently report due to errors in the past. I'm sure someone will elaborate.......

boogiemaster

Just curious


Thanks

debtdestroyer007

can anyone tell me what agency is used for the M & S credit card?
are they easy to get?

my equifax has fewer searches than experian-

Brian64

Marks & Spencer Money and Your M&S are trading names of Marks and Spencer Financial Services plc. Registered in England No 1772585. Registered
office: Kings Meadow, Chester CH99 9FB. Authorised and regulated by the Financial Services Authority for savings, investments and insurance. A wholly
owned subsidiary of HSBC Bank plc.

AS they are linked to HSBC they will probably search both EX and EQ

debtdestroyer007

thanks Brian

also i am confised about the post office credit card- some posts say equifax whilst others say experian.any ideas?

Brian64

debtdestroyer007 wrote: »

thanks Brian

also i am confised about the post office credit card- some posts say equifax whilst others say experian.any ideas?

Don't know the answer to that one maybe someone who has applied recently will come along

Dr_Cuckoo3

debtdestroyer007 wrote: »

also i am confised about the post office credit card- some posts say equifax whilst others say experian.any ideas?

phone Post Office credit cards on 0800 169 2000 up to 6pm today and they will confirm Experian for Post Office credit cards and Equifax for Bank of Ireland credit cards