Credit Reference Agencies - who uses who discussion

Former_MSE_Dan

This discussion relates to the

Updated Credit Reference Agencies – Who Uses Who? article

To discuss or ask a question: click reply

(to read the old discussion see here)

janaspen

If a company is showing as using two credit reference agencies from the list provided how do you know which one they use or do they use both?

Former_MSE_Dan

Hi janaspen,

Unfortunately, it means they have links with both or all three agencies, so it isn't possible to tell which one they'll use for any given check.

HTH

Dan

Coke24

I checked my credit reports and have absolutely terrible credit through Equifax and Experian. This is mainly due to the fact that they don't have me showing on electoral register, even although I am!

They are all showing no credit searches, which believe me I do, but again could be linked to electoral roll!

The only company which I come out top on is CallCredit. On looking at this website the only company which solely use them is Skipton BS who own them, but they don't offer credit other than mortgages!

Does anyone know a company who solely uses CallCredit? I really need credit and am having problems obtaining it! I know that I should try and get Exp & Equ to get the electoral roll sorted but it seems to take forever!

Thanks,

CJ

Former_MSE_Wendy

Hi Coke24

Bristol and West and Britannia Building Society only use one other agency so you could give them a call to see if they use certain agencies for certain products.

Wendy

john1002

If the company uses say the co op for credit cards is it them that credit check or the Building society, interested in Stroud + Swindon BS.

YorkshireBoy

john1002 wrote:

If the company uses say the co op for credit cards is it them that credit check or the Building society, interested in Stroud + Swindon BS.

Co-op will make the credit search.

atypicalblonde

hi guys - does anyone know if savings accounts are recorded on credit files?

thanks in advance

john1002

No they are not, as they are not providing credit, even the identity checks online they may do will leave no footprint for other lenders to see.

HTH

katrina_8

Hi, just applied for a barclayloan as my credit rating is great thru experian but rubbish thru equifax after checking the table and seeing that barclaycard uses experian!

Got refused and then checked both agencies and found out that the search was done by equifax and not experian...!!!

thought i,d better post this in case it helped anyone

Oh does can anyone suggest a loan company that definetley uses experian and not equifax...please

Thanks

jay78

Barclaycard generally do check with equifax, when I applied for a card with them they checked both equifax and experian.