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Equifax Help!

minxtress
minxtress Posts: 774 Forumite
Hi
Does anyone know of any lenders who search with Equifax and Equifax only? How can I find this information out?
Thanks

Comments

  • seeya23
    seeya23 Posts: 2,330 Forumite
    minxtress wrote: »
    Hi
    Does anyone know of any lenders who search with Equifax and Equifax only? How can I find this information out?
    Thanks
    have a look here https://forums.moneysavingexpert.com/discussion/2419785
  • chanz4
    chanz4 Posts: 11,057 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    zopa do equifax only
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • chanz4 wrote: »
    zopa do equifax only

    Not with me they didnt, they did Experian also. I applied with Zopa about a year ago.
  • chanz4
    chanz4 Posts: 11,057 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    I used zopa in sept
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • CHR15
    CHR15 Posts: 5,193 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Is this a case of two down, one to go?

    It would make sense for lenders to check with all three just to stop people "slipping through the net".
  • I didnt check Call Credit, only Equifax and Experian as i had subscriptions with them both at that time.
  • CHR15 wrote: »
    Is this a case of two down, one to go?

    It would make sense for lenders to check with all three just to stop people "slipping through the net".

    No Its just I have my credit replort through checkmyfile who list experian and equifax and for some reason unknown to man my score is way higher with equifax so seems more logical to apply to companies that only use them, rather than possibly being refused if they use experian and adding more searches to my file
  • Tixy
    Tixy Posts: 31,455 Forumite
    checkmyfile doesn't have all the info from your experian file, only the public info - so won't give you an indication of what is actually on that file in detail. I wouldn't bother with it and would just get your files direct from the 3 proper consumer credit reference agencies.
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • Experian_company_representative
    Experian_company_representative Posts: 2,134 Organisation Representative
    Part of the Furniture Combo Breaker
    Tixy talks sense.

    James Jones
    Official Company Representative
    I am an official company representative of Experian. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"

    Posts by James Jones, Neil Stone, Stuart Storey & Joe Standen
  • Minxtress, i have sent you a PM this morning, although its not showing in my sent box, let me know if you got it or not please.
This discussion has been closed.
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