Credit file

markeymark

Recently joined a credit file agency, should I be worried that a car loan that I've had since Jan 2011 doesn't show up? Everything else shows mortgage, credit card, mobile bill

DCFC79

markeymark wrote: »

Recently joined a credit file agency, should I be worried that a car loan that I've had since Jan 2011 doesn't show up? Everything else shows mortgage, credit card, mobile bill

Depends who the loan Co use as a credit agency, not all lenders etc use the same agency.

You might find on 1 of the other CRA's the loan is on there with your other comitments.

markeymark

Ok cheers, the 2 agencies that was on site was credit call and equifax, how many others are there?

DCFC79

markeymark wrote: »

Ok cheers, the 2 agencies that was on site was credit call and equifax, how many others are there?

Credit expert/experian, noodle (althoguh not as popular).

UsetheFORCE

The main agency is Experian - online is called Creditexpert
The second agency is Equifax - online is called Equifax
The third agency is Callcredit - online free version is called Noddle


The first two are the most important and widely used, Experian is used by the vast majority.

Callcredit tends to be used more for identification/money laundering checks and also secondary credit checks, it tends to be slower with the updates on your accounts.

Gordon_Hose

Sorry but Noddle have been early at updating my file, a lot earlier than the other two. Two of my defaults were removed 2 weeks before the date they were due to drop off.

I believe Equifax to be the slowest CRA at updating files.

Just saying.