Which lenders only use Equifax

mikeyboy

Hi,

I am shortly going to be remortgaging, I have checked all three credit agencies (statutory reports). My Equifax and Callcredit are all in order, but my Experian one has a few missed payments and an unsettled default relating to a mobile phone at a previous address. I genuinely know nothing about these, and as such will disputed with Experian in writing.

I know a lot of mortgage lenders use Experian and Equifax together, but are there any that just use Equifax?

Many thanks

ACG

Is equifax searching all of your addresses?
Although it is not showing, it does not necessarily mean it will not get piced up by a lender.

BelfastFTB

ACG wrote: »

Is equifax searching all of your addresses?
Although it is not showing, it does not necessarily mean it will not get piced up by a lender.

Agree with ACG's query, are you sure all the details Experian is using have been at Equifax's behest?

mikeyboy

Hi,

Yes, the addresses (current and previous) are the same across all three CRAs, it's just for some bizarre reason Experian has the abnormalities compared to Equifax and Call Credit.

Thrugelmir

mikeyboy wrote: »

, it's just for some bizarre reason Experian has the abnormalities compared to Equifax and Call Credit.

Nothing bizarre. Where data is recorded depends on which CRA a business reports to.

mikeyboy

Is there a list of the lenders who only use Equifax?

From what I have found out there is only one, Henley BS? Surely there are more?

amnblog

Most today use two CRAs, there are around half a dozen that use Equifax only.

Engage a broker who can make the right recommendation for you.

mikeyboy

amnblog wrote: »

Most today use two CRAs, there are around half a dozen that use Equifax only.

Engage a broker who can make the right recommendation for you.

Thanks. That is an option, but I am still keen to learn if there is a list of those using Equifax only. I have googled upteen different ways and struggling to find out!

Thanks

amnblog

A googled list is only as good as the recent update.

Not a good idea to rely on it for your lending choice.

luis1988

mikeyboy wrote: »

Thanks. That is an option, but I am still keen to learn if there is a list of those using Equifax only. I have googled upteen different ways and struggling to find out!

Thanks

http://www.moneysavingexpert.com/credit-cards/credit-reference

'Updated March 2016'

luis1988

But you're right, from that list it is only the bank you mentioned