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Credit Reference Agencies - who uses who discussion

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  • clio
    clio Posts: 3,345 Forumite
    Oi Oi Mr P.:)
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    clio wrote: »
    Oi Oi Mr P.:)
    oi oi savaloy! Howz it gannin marra?
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • clio
    clio Posts: 3,345 Forumite
    Alreet matey , good point today eh.. are you off out tonight??
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    clio wrote: »
    Alreet matey , good point today eh.. are you off out tonight??
    Na, nee beer tokens mate, how about you?
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • clio
    clio Posts: 3,345 Forumite
    Aye of down to the ok coral lol Union street. ruff as a badgers you no what hehe:)
  • inespo
    inespo Posts: 23 Forumite
    Hello,

    can someone please confirm how exactly the colour code relates to who relies on who for the agency checks?

    is the white an indication of no use and the dark blue and indication of usage - or is this vice-versa

    thanks,

    Inespo.
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    inespo wrote: »
    Hello,

    can someone please confirm how exactly the colour code relates to who relies on who for the agency checks?

    is the white an indication of no use and the dark blue and indication of usage - or is this vice-versa

    thanks,

    Inespo.
    Waste of time, it is about as accurate blind sniper! It needs updating so don’t take it as factual data, who are you going to try applying via?
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • srichards
    srichards Posts: 226 Forumite
    I paid £8.99 a few days ago to CallCredit who claimed to be better than both Experian and Equifax - according to that I was only £944 in debt.

    Then the next day I paid £11.99 to Equifax and found it was closer to 8K.

    Callcredit = rubbish.
  • Volcane
    Volcane Posts: 325 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    I assume credit card companies can CHOOSE to use either one or the other or maybe sometimes it's random?

    I say this because Barclaycard ONLY searched Equifax for me whereas all the others only searched Experian.

    Egg have recently reported good bahviour to Equifax too but had not searched/reported anything in the 2 months prior.
    Best Regards,

    V
  • CannyJock
    CannyJock Posts: 3,838 Forumite
    1,000 Posts Combo Breaker
    srichards wrote: »
    I paid £8.99 a few days ago to CallCredit who claimed to be better than both Experian and Equifax - according to that I was only £944 in debt.

    Then the next day I paid £11.99 to Equifax and found it was closer to 8K.

    Callcredit = rubbish.

    8K + 11.99 + 8.99 by any chance?

    Call credit is definitely the "and finally" in the CRA pile, but I'm guessing that the level of debt wasn't actually a surprise to you?
    "A child of five could understand this. Fetch me a child of five." - Groucho Marx
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