Credit Reference Agencies - who uses who discussion

Christopherj_2

I went on to credit expert which is part of Experian.

Christopherj_2

Calculations based on your credit report on Tuesday, July 15, 2008

You have £20 of available credit (excluding mortgages)
You have £3,891 of outstanding debt (excluding mortgages and defaults)
You are using 96% of your available credit
You have 5 credit accounts (including settled accounts)
You have 0 accounts overdue
You have missed 0 repayments in the last year
Your credit report has been viewed 6 times in the last 3 months and 12 times in total over the last year
You have 0 public information records
You have 0 aliases and/or financial associations
You have been at your current address for 0 years 5 months
You are not on the electoral roll at your current address
You have 0 notice of correction on your credit report

Natwest have just accepted me for credit, so what does the report mean, I only have £20.00 left of credit?

C33_2

Not sure if this will help anyone, but AFAIK Sainsburys Bank use Experian.

davvy2shed

Hi, as well as the main 3 equifax, experian and call credit are there any other credit reference agencies out there? Does anybody know please?

louiser123

there you go dollaly!!

hope it helps x

KingPin_2

Does anyone know if Norwich and Peterborough building society report to the CRA on conduct on there current account if so which agency do they use.

deez99

Are creditors allowed to check your credit reference files?

Do catalogue shops online ie like additions direct, littlewoods etc post details of accounts with the likes of experian, equifax etc

sutton111

Yes they report your account conduct to all CRAs.

deez99

Thanx

and can DCA's/creditors check your credit record at any time?

sutton111

Yes they can. But normally these searches are "soft" searches not seen by other lenders.
DCA searches stay on your file for 6 years while normal lenders it is 12 months.