Credit Reference Agencies - who uses who discussion

Nickc_2

Hi - I'm about to apply for a mortgage at the Post Office. I have only just got Experian credit report looking clean after some old debts etc were recorded until recently. However its only Experian thats clear - the other main credit companies are still showing some old defaults.
Does anyone know if the Post Office only use Experian? If so it would mean I could apply in the knowledge I have a good chance of getting the 90% ltv I need. Any help would be appreciated.
Thanks
Nick

undrillm

Mr MoneySavingNotSuchAnExpert, please update Sainsburys' lenders on your table as they actually use all three. After getting nocked for a loan with them I asked why and what agencies they use.....

Sainsburys: The Credit Reference Agencies we use are

Experian Credit Report Services
Experian Ltd
PO Box 1135
Warrington
WA5 1EP
_________________________________________________

Tel No: 0844 481 8000
Credit File Advice Centre
Equifax plc
PO Box 1140
Bradford
BD1 5US
Tel No: 0844 335 0550
________________________________________________________
Consumer Services Team
Callcredit Limited
PO Box 491
Leeds
LS1 1WZ

:mad:

undrillm

Nickc wrote: »

Hi - I'm about to apply for a mortgage at the Post Office. I have only just got Experian credit report looking clean after some old debts etc were recorded until recently. However its only Experian thats clear - the other main credit companies are still showing some old defaults.
Does anyone know if the Post Office only use Experian? If so it would mean I could apply in the knowledge I have a good chance of getting the 90% ltv I need. Any help would be appreciated.
Thanks
Nick

Don't trust any tables that claim to know what agencies lenders are using!

Best thing for you to do is pull your finger out and do what I'm doing, which is after sorting my Experian out and achieving a 995 score, sort out the other two agencies. Make those glowing like your Experian and then there's no worries or raging when you get rejected! I wouldn't of thought this would take long, 2-3weeks max!

creditcardhelp11

undrillm wrote: »

Don't trust any tables that claim to know what agencies lenders are using!

Best thing for you to do is pull your finger out and do what I'm doing, which is after sorting my Experian out and achieving a 995 score, sort out the other two agencies. Make those glowing like your Experian and then there's no worries or raging when you get rejected! I wouldn't of thought this would take long, 2-3weeks max!

Don't trust scores generated by credit reference agencies they're useless. You could have a 995 score with defaults on file and you would still not get mainstream credit!

Elbee

undrillm wrote: »

Mr MoneySavingNotSuchAnExpert, please update Sainsburys' lenders on your table as they actually use all three. After getting nocked for a loan with them I asked why and what agencies they use.....

Sainsburys: The Credit Reference Agencies we use are

Experian Credit Report Services
Experian Ltd
PO Box 1135
Warrington
WA5 1EP
_________________________________________________

Tel No: 0844 481 8000
Credit File Advice Centre
Equifax plc
PO Box 1140
Bradford
BD1 5US
Tel No: 0844 335 0550
________________________________________________________
Consumer Services Team
Callcredit Limited
PO Box 491
Leeds
LS1 1WZ

:mad:

Can I just give you a little bit of advice - the 'sticky' at the side which says words to the effect that people should be nice to new MSE'rs, well it kind of works both ways..... You might find that people are nice to new people if they set off on the right foot and by not being unnecessarily aggressive. I hope your loan didn't depend on your manners

undrillm

Elbee wrote: »

Can I just give you a little bit of advice - the 'sticky' at the side which says words to the effect that people should be nice to new MSE'rs, well it kind of works both ways..... You might find that people are nice to new people if they set off on the right foot and by not being unnecessarily aggressive. I hope your loan didn't depend on your manners

Blow me! :dance:

stclair

undrillm wrote: »

Mr MoneySavingNotSuchAnExpert, please update Sainsburys' lenders on your table as they actually use all three. After getting nocked for a loan with them I asked why and what agencies they use.....

Sainsburys: The Credit Reference Agencies we use are

Experian Credit Report Services
Experian Ltd
PO Box 1135
Warrington
WA5 1EP
_________________________________________________

Tel No: 0844 481 8000
Credit File Advice Centre
Equifax plc
PO Box 1140
Bradford
BD1 5US
Tel No: 0844 335 0550
________________________________________________________
Consumer Services Team
Callcredit Limited
PO Box 491
Leeds
LS1 1WZ

:mad:

They might just be saying that so you check with all 3 CRAs.

Natwest/RBS in there decline letters state they use Equifax to preform credit searches, well that is true however they also use Experian but there's no mention of them in the decline letter. In fact they use all three CRAs for reporting purposes. :rotfl:

Plus it does say it was last updated in 2007 lol

http://www.moneysavingexpert.com/cards/credit-reference

bchong

Just to note that Tesco is using Credit Expert...

I know it because I just applied for it, it seems that they offered quick low credit..

RickyR

Hi Everyone,

This is my first post in this forum ever. Nice to meet all of you!!

Could I ask which credit check agency does HSBC use? Looking at the outdated link, it was using Experian. Is it still the case?

Thank you very much.

Rick

N1kko

Hi,

Could anyone add an updated list of who uses Experian or Equifax please