Be careful of Equifax

grey_gym_sock

callcredit are the least used (by lenders) of the 3 CRAs.

SG27

grey_gym_sock wrote: »

callcredit are the least used (by lenders) of the 3 CRAs.

I don't really understand what that means? Do you mean that if I apply for a mortgage try most likely check one of the other two or do you mean that for example I took out certain credit cards or loans it wouldn't appear on my call credit file? As I said all mine are there, past and present with the balances and even the payments I have been making. Maybe I'll get one of the other to compare.

grey_gym_sock

i mean that if you apply for credit, they are more likely to check 1 of the other 2. they could also check more than 1.

reporting credit info to CRAs can also vary, i.e. some report to all 3 CRAs, some to fewer. i'm not sure which CRAs get more info overall.

if you only check callcredit, there could still be an error on your experian file. one would hope that, if info about the same account is reported to both, it would be the same. but experian could have an error about something which doesn't appear in call credit at all.