Credit Reference Agencies - Who Really Uses Who? II

RedDwarf82

BANK CURRENT ACCOUNTS
HSBC (incl. First Direct)
Search: EX#, EQ
Report: EX, EQ, CC

Searched in Equifax. Not in Experian. No idea about CC yet.

CREDIT CARDS
HSBC (incl. First Direct, M&S)
Search: EX, CC (EQ# for John Lewis Card)
Report: EX, EQ, CC

The "HSBC Credit Card" (https://www.hsbc.co.uk/1/2/credit-cards/credit-card)
Hard search in Equifax. Soft search in Experian. No idea about CC yet.

RedDwarf82

BANK CURRENT ACCOUNTS
Yorkshire Bank & Clydesdale Bank (National Australia Bank Group)
Search: EX
Report: EX, EQ, CC

Clydesdale.
Hard search in Experian, plus soft search in CC.
Reported to all three.

RedDwarf82

BANK CURRENT ACCOUNTS
TSB
Search: EX
Report:

Search: EX
Report: EX, EQ, CC

Andybez38

I applied for car finance from motornovo finance and as far as im aware after checking credit records they have only searched equifax, will post again once account appears on credit file as who they report too.

Princess_Consuella

Can anyone advise on a mortgage lender that uses experian only?

Thanks in advance!!

DCFC79

Princess_Consuella wrote: »

Can anyone advise on a mortgage lender that uses experian only?

Thanks in advance!!

Have you looked in the first page of the thread ?

stclair

You might find this link useful:

http://www.moneysavingexpert.com/credit-cards/credit-reference

Princess_Consuella

Yes, I have read all 38 pages however I noticed that the thread began in 2010 and wondered if there were any changes or if mortgage lenders were using two CRAs now.

Thanks

savedmoney

Post Office Bank Of Ireland
Personal Loan
Experian Only (Consistent with existing table)
Reject
Within last 2 months

savedmoney

MBNA
Platinum Credit Card
Experian Only (Existing table says Experian and also Call Credit)
Accept
Within last 2 months