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Credit Reference Agencies - Who Really Uses Who? II

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  • TheEffects
    TheEffects Posts: 150 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    TheEffects wrote: »
    Hi

    I wanted to know which CRA does Barclays use?



    Bump


    Anyone know who they use for mortgage applications
  • TheEffects wrote: »
    Bump


    Anyone know who they use for mortgage applications

    Barclays will know - if you ask them they may tell you?
  • onthemend88
    onthemend88 Posts: 258 Forumite
    Fourth Anniversary 100 Posts Name Dropper
    Are E.on still using Equifax?
    First Time Buyer
    AIP 18/02/2020 - Full Application 25/02/2020 - Valuation - 16/03/2020
    17/03/2020 - Mortgage Offer Issued
    23/03/2020 - LOCKDOWN

    19/06/2020 - Exchange of Contracts
    07/08/2020 - Officially Homeowners
  • Applied for Santander credit card in July 2020. Still searching Experian. 
  • Admiral Financial Services, loan account, Oct 2019, used Equifax.
  • Is Santander still using Experian for mortgage applications? 
  • kee89
    kee89 Posts: 17 Forumite
    10 Posts Name Dropper
    jaymillen said:
    Is Santander still using Experian for mortgage applications? 
    We put in a mortgage application 4 days ago and a hard search has appeared on my Transunion account.
  • dariakruk
    dariakruk Posts: 10 Forumite
    First Anniversary First Post
    wonder if this thread is still active

    I applied for a Virgin Money credit card via MSE and was immediately approved. It looks like no hard check was done. I am checking my clear score (Equifax) and nothing is showing. They update every week, and it's been 3 weeks. 

    can anyone confirm who is reporting Virgin Money? 
  • sourcrates
    sourcrates Posts: 31,575 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    edited 5 June 2023 at 4:13PM
    dariakruk said:
    wonder if this thread is still active

    I applied for a Virgin Money credit card via MSE and was immediately approved. It looks like no hard check was done. I am checking my clear score (Equifax) and nothing is showing. They update every week, and it's been 3 weeks. 

    can anyone confirm who is reporting Virgin Money? 
    Its a 12 year old thread, so not been active for a good while.

    But in answer to your question, at the last update, they used Experian & Credit Karma.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
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