Credit Reference Agencies - Who Really Uses Who? II

gionnetto

Bank of Ireland current account reports to EQ and CC
TalkTalk only search EQ and only reports to EQ

James

Thanks for the list. Just a quickie. Do you know who on the list are NOT CIFAS members?

Thrugelmir

James wrote: »

Thanks for the list. Just a quickie. Do you know who on the list are NOT CIFAS members?

You can look members up for yourself.

https://www.cifas.org.uk/membership/cifas-members

chrispiec

Hi,

According to this list nationwide only search using Experian for mortgages! I have just completed a decision in principal mortgage which I was accepted for but it isn't showing on my Experian credit file but is showing on my clearscore and noddle credit files!

Have nationwide changed who they use?

[Deleted User]

Most major lenders will use a mix of CRAs. It will also vary across products.

I wouldn't rely on the absolute integrity of any list.

mrschap

Any idea which credit reference agency / agencies they use? Also does anyone know much about them - a broker put me in touch with them for a secured loan

DCFC79

mrschap wrote: »

Any idea which credit reference agency / agencies they use? Also does anyone know much about them - a broker put me in touch with them for a secured loan

Not heard of them.

Why are you looking for a secured loan ?

You sure a secured loan is what you need ?

National_Debtline

Hello

mrschap wrote: »

Any idea which credit reference agency / agencies they use? Also does anyone know much about them - a broker put me in touch with them for a secured loan

The info on their site suggests that they are what we call a "sub-prime" lender, and so they won't necessarily be as choosy as a High Street bank in their credit assessments - the flipside is that they will charge a much heftier rate of interest to reflect this.


If you're considering such a product, it's wise to seek some independent and impartial financial/debt advice first from the likes of https://www.moneyadviceservice.org.uk/en


Dennis
@natdebtline

wharty

Applied for a Nationwide mortgage 2/3 weeks ago and they searched all 3 major CRA's.

Samsung_Note2

mrschap wrote: »

Any idea which credit reference agency / agencies they use? Also does anyone know much about them - a broker put me in touch with them for a secured loan

We used them as a temporary measure.

Seemed to be a lot of back and forth with various department,but they lent us the amount we wanted and all seems pretty clear from the start.