Credit Reference Agencies - who uses who discussion

mo44

katrina_8 wrote: »

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

Only found this site a few days ago but it really helped me out so thought it only fair to see if I could help others. Like you, my rating with Equifax is awful but it's great with Experian.

Nationwide appear to use Experian. I applied to them and although I was turned down (I think I asked for too much!) they did refer me to Experian and having checked my reports, Experian are the only one they checked. I also know someone who works for Nationwide and they told me that they only use Experian.

I then applied to Sainsburys who have also only checked with Experian, and although they turned me down, they passed my application to the Home Shopping Group, who, without any fuss, have given me the loan I requested. I believe these are the people who finance catalogue credit and the like? They didn't credit check me or anything, it would appear they just accepted the info that Sainsburys gave them.

Anyway, enough rambling, just hope that there is something here that may help you.

Good luck!

Experian_company_representative

Coke24 wrote: »

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

CJ - I recommend you contact Equifax and Experian and ask them to find out why your electoral roll information is not showing on the reports they hold about you. I wonder whether there is a variation of your address that is causing the confusion. You do need to get this resolved because, aside from credit, a host of other organisations use credit reference agency authentication services to help confirm your identity when you apply for things like ISAs, insurance etc.

James

laserboy31

Could you tell me how I can stop my son's debtors from trying to contact him at my home now that he no longer lives here. Also can I have my address added to the so called 'Credit Blacklist' to stop my son from applying for credit via this address in future.

timanfaya

theoretically there is no such thing as a credit blacklist, but experian runs a sub company which runs the national hunter database. its prime purpose is to track fraudulant applications!! But under this system financial houses and banks etc DO SHARE APPLICATION DATA !!!!! what happens with data under this system is anyones guess!

Mitch_W

Hiya,
I'd just like to second a comment listed above -

I applied for a loan through Barclaycard with the belief that my Equifax records would not be checked. I hoped that this would be the case as my history shown with Equifax is poor due to a dispute with O2 in 2002 that I don't remember having. My record with Experian is excellent however.

Imagine how miffed I was when I received an email to say that my Equifax file had been searched. Surely enough, a few days later, a rejection note from Barclaycard arrived in my hallway.

Could the table be corrected to show the correct information as there's no way I would have applied if I knew that my Equifax records would have been searched?

Mitch_W

Oops - forgot to include this in my main post.

Does anyone know a company who ONLY use Experian for credit searches? I shouldn't have a problem getting credit with them. Also, the dispute with O2 apparently happened in 2002 when they defaulted the account. Does anyone know how long this mystery dispute is going to blight my records?

tiptop1_2

As previous posters have mentioned Barclaycard use Equifax.

jay78

Mitch_W wrote: »

Oops - forgot to include this in my main post.

Does anyone know a company who ONLY use Experian for credit searches? I shouldn't have a problem getting credit with them. Also, the dispute with O2 apparently happened in 2002 when they defaulted the account. Does anyone know how long this mystery dispute is going to blight my records?

I know this is a bit late but I think banks are starting to check both equifax and experian at the same time. That was my experience with Barclaycard. Last year I applied for a loan with Natwest and they checked Equifax. I've applied again this year and they checked Experian (I havent' checked my equifax report yet). There are no guarentees.

Kevin1960

I realise I'm being a bit thick here and have probably missed something right in front of my nose but...what do the different shades of blue on the table mean?

Thanks hopefully!

lz57s9

Hi guys, just thought i would let you know i am in the position where Equifax score me very low and experian have me as excellent. I have continually fell victim to obtaining credit due to Equifax's score (this is due to a £250 debt with Vanquis who despite me paying £50 a month for 5 months (10 x the minimum) marked me as having a arrangment to pay). Anyway was posting this to let you know that i applied for a halifax and a sainsburys Credit card at the same time, and Halifax declined (search added to equifax) and Sainsburys have approved. If your in the same position Sainsbury do only use experian.