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Any know which credit reference agency Orange use?

slugger09
slugger09 Posts: 411 Forumite
I get accepted with Orange no problems, but the likes of O2 decline me, so I'm wondering what agency Orange use, O2 us experian as far as I know and they decline me, so I assume its equifax

Comments

  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    slugger09 wrote: »
    I get accepted with Orange no problems, but the likes of O2 decline me, so I'm wondering what agency Orange use, O2 us experian as far as I know and they decline me, so I assume its equifax


    O2 - Equifax only

    Vodafone - Experian and Equifax

    Orange - Experian

    T-Mobile - Equifax

    O2 and Vodafone tend to score alot higher than Orange or T-Mobile. HTH
  • slugger09
    slugger09 Posts: 411 Forumite
    sutton111 wrote: »
    O2 - Equifax only

    Vodafone - Experian and Equifax

    Orange - Experian

    T-Mobile - Equifax

    O2 and Vodafone tend to score alot higher than Orange or T-Mobile. HTH

    So its Experian i'm after, I ask as even when applying for any form of credit some give an instant no while others will give me a £5K limit instantly.

    Interesting what you say about Tmo, I remember back in the early 00's they were very hard to get on. Orange has always been wasy
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    slugger09 wrote: »
    So its Experian i'm after, I ask as even when applying for any form of credit some give an instant no while others will give me a £5K limit instantly.

    Interesting what you say about Tmo, I remember back in the early 00's they were very hard to get on. Orange has always been wasy

    Oh yes they were hard to get in the early 00's, but so were Orange. When I was 18 not so long ago (2003), I applied to T-Mobile and got declined, Orange accepted me though :)
  • DarkConvict
    DarkConvict Posts: 6,347 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    MOBILE PHONES / LANDLINES / TELEVISION / BROADBAND / UTILITIES

    3
    Search:EX
    Report:EX, EQ
    BT
    Search:EQ
    Report:EX, EQ
    British Gas
    Search:
    Report:EX
    Carphone Warehouse
    Search:EX, EQ
    Report:EX, EQ
    O2
    Search: EQ (EX for business tariffs)
    Report: EX, EQ, CC
    Orange
    Search: EX, EQ
    Report: EX, EQ, CC
    T-Mobile
    Search: EQ
    Report: EX, EQ, CC
    Tesco Mobile
    Search: EQ
    Report: EQ
    Virgin Mobile
    Search: EQ
    Report: EQ
    Virgin Media
    Search: EQ
    Report: EQ
    Vodafone
    Search: EX, EQ
    Report: EX, EQ, CC
    https://forums.moneysavingexpert.com/discussion/2419785

    The above should help.
    Although no trees were harmed during the creation of this post, a large number of electrons were greatly inconvenienced.

    There are two ways of constructing a software design: One way is to make it so simple that there are obviously no deficiencies, and the other way is to make it so complicated that there are no obvious deficiencies
  • slugger09
    slugger09 Posts: 411 Forumite
    I've just got my my credit report, Orange came up under Callcredit
  • DarkConvict
    DarkConvict Posts: 6,347 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Orange comes up under all 3 by the looks of it.
    Although no trees were harmed during the creation of this post, a large number of electrons were greatly inconvenienced.

    There are two ways of constructing a software design: One way is to make it so simple that there are obviously no deficiencies, and the other way is to make it so complicated that there are no obvious deficiencies
This discussion has been closed.
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