Credit Reference Agencies - Who Really Uses Who? II

shahinfarcry

hi anyone knows which Credit Reference Agencies Barclays Partner Finance (Apple, Dreams, ScS) use for Apple.inc finance.

System

JKSandy wrote: »

* = A green asterisk symbol next to a CRA in an entry denotes that most forum users have reported that the lender uses that CRA. The usual disclaimer (above) applies to this information.

* = An orange asterisk symbol next to a CRA in an entry denotes that this was my personal experience when I applied for the product. This was my experience, yours may be different!

Can you change the colours? I'm coloured blind and its really difficult to see which is which. Thanks

Hi JKSandy

Thanks for pointing this out. I've replaced the orange asterisks with the hash (#) symbol and the green asterisks with black ones.

Regards
UNDERGROUND

JKSandy

Perfect, thanks for taking the time to update it. It's a very handy list to refer to.

sparkly_momma

Hi,
We are looking for a 95% FTB mortgage and need to avoid equifax. N&p look a good bet, my only concern is they are part of Yorkshire bs who do use EQ. On the tables it says n&p only use experian but want to be sure before we go for it!
Also does anyone know who Barclays use for mortgages? Thanks

Malmo

Post Office Credit Card (Supplied by Bank of Ireland):

• Search Experian

• Report to Experian, CallCredit

EE Ltd Trading As Either EE or T-Mobile:

• Report to Experian, Equifax, CallCredit

Malmo

Santander Unsecured Personal Loan:

• Search Experian

• Report to Experian, Equifax, CallCredit

sscott5581

I can confirm Clydesdale Bank search Experian for Mortgages and report to all three CRA's

Thrugelmir

sscott5581 wrote: »

I can confirm Clydesdale Bank search Experian for Mortgages and report to all three CRA's

Works like this. As Experian will obtain key pieces of information from the other 2 CRA's when they receive a request from the bank. No need to search them all.

Mrs_Andy

Virgin money def use experian. No search showing on equifax. While my credit rating is grand on both, both show very different information. It is a racket !!

pratt123

Applying for a joint mortgage, and just realised that the Mrs hasn't got a great score on Equifax whilst her Experian report is excellent.

Based on our current circumstances, the only possible lenders for us are Halifax and Woolwich. Any idea if either one of them only uses Experian?

Thanks for your help in advance!

Regards
Pratt