Credit Reference Agencies - Who Really Uses Who? II

RustyHAT_2

I can confirm searches from my own Equifax or Experian reports in the last 6 months:

Halifax Mortage - Experian only
Halifax Current Account - Experian only
Nationwide Credit Card - Experian only
Vanquis Credit Card - Experian only

Barclaycard - Equifax only
Very.co.uk - Equifax only
Virgin Media (Phone, Broadband and TV) - Equifax only

Hope this helps somebody

.1xp

Is the old Santander portfolio, now Newday still correct?

izools

Couple of corrections:

I've had a few loans from Zopa over the years; they searched EQ for the first three but the most recent they also searched CC as well.

Nationwide primarily search EX for loans, and secondarily CC. They don't search EQ at all, as currently suggested on the first page.

izools

Also, when opening a Halifax Easycash account last July they performed only an Identification: Generic Check with Experian, but a full credit search and identification check with Call Credit.

sscott5581

izools wrote: »

Couple of corrections:

I've had a few loans from Zopa over the years; they searched EQ for the first three but the most recent they also searched CC as well.

Nationwide primarily search EX for loans, and secondarily CC. They don't search EQ at all, as currently suggested on the first page.

Nationwide do search Equifax and did when I applied for a loan - soft search and then hard search. They also searched call credit but did not search Experian.

jakesuk

For what it's worth:

Bank of Scotland Credit Card: Applied June 2013. Searched EX, CC. Reports to EX, EQ, CC

M&S Credit Card: Applied Dec 2013. Searched EX only. Reports to EX, EQ, CC.

Santander bank account: Applied Jan 2014. Searched EX only. Reports to EX, EQ, CC.

Tesco credit card: Applied Feb 2014. Searched EX only. Reports to EX, CC (not sure about EQ yet).

socookin

Any info would be much appreciated.

sscott5581

Nationwide

In my experience -

Credit Card, Current Account and Mortgages - Experian

Loans - Equifax and Call Credit

guesswho2000

sscott5581 wrote: »

Nationwide

In my experience -

Credit Card, Current Account and Mortgages - Experian

Loans - Equifax and Call Credit

Interesting, I've had a mortgage, loan, current account and credit card from Nationwide, they report to all three but have only ever searched Experian for anything.

thebritishbloke

BarclayCard only seem to search my Equifax file.