YBS- Equifax only?

[Deleted User]

I've seen that YBS use Equifax to credit score- is that the only CRA they use? I've tried being upfront with brokers and lenders about my history and nobody can help me, so now I'm wondering if we go to a lender that uses Equifax they won't be able to see my mistakes (defaults on PDL) as they're not on there.

Malmo

http://www.ybs.co.uk/help/mortgages/application-process.html

Taken from the above URL:

Something to bear in mind.
You have a legal right to know whether the information held about you by credit reference agencies is correct (we use Equifax Europe (UK) Limited). Details may be obtained by writing to Equifax Europe (UK) Ltd, Dept E1, PO Box 300, Glasgow, G81 2DT. You must include a fee of £2, and the addresses you have lived at for the past six years.

Check our Privacy and Security sections for more information.