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Credit Unions and Credit Checks
gionnetto
Posts: 234 Forumite
Hello,
Is there any way to know what CRAs a credit union searches for doing a check?
The reason being, I have some problem with Equifax - in that they keep bumping me out of the Electoral Roll in their report (whereas I've been registered at the same address for 10 months) - and I want to shop for a credit union that checks Experian.
Any pointers?
Thank you!:j
Is there any way to know what CRAs a credit union searches for doing a check?
The reason being, I have some problem with Equifax - in that they keep bumping me out of the Electoral Roll in their report (whereas I've been registered at the same address for 10 months) - and I want to shop for a credit union that checks Experian.
Any pointers?
Thank you!:j
Your cholesterol levels are not seen, or used, by your heart and arteries, so ignore it.
:eek:.
:eek:.
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Comments
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Ask them??0
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The point is, are they obliged to give me an answer or can they bypass it? There's different ways of asking depending on whether it's a favour or not :TYour cholesterol levels are not seen, or used, by your heart and arteries, so ignore it.
:eek:.0 -
They’re not obliged to no. But if you don’t ask...0
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Rather suspect any which way you ask the question it'll raise suspicions about why you need to know this, even if nothing is showing on the CRA they check
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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Well, what's the point in not asking? If they do a credit check no matter what, they'll find out no matter what - right? My reason is simply that Equifax keep "forgetting" I am on the Electoral Roll and therefore might be herratically unable to even identify me, whereas it doesn't happen with Experian or CallCredit. I don't want to risk a credit search just to be booted out of no fault of my own.
I have sent an updated letter from the EONI 3 times... they rectify it, just to lapse it back to "not registered 2 months later:mad:Your cholesterol levels are not seen, or used, by your heart and arteries, so ignore it.
:eek:.0 -
Just apply.Well, what's the point in not asking? If they do a credit check no matter what, they'll find out no matter what - right? My reason is simply that Equifax keep "forgetting" I am on the Electoral Roll and therefore might be herratically unable to even identify me, whereas it doesn't happen with Experian or CallCredit. I don't want to risk a credit search just to be booted out of no fault of my own.
I have sent an updated letter from the EONI 3 times... they rectify it, just to lapse it back to "not registered 2 months later:mad:
They're not going to change their procedures for you and one decline isn't going to cause much of an issue.
Most providers will check more than one anyway, so your erroneous Equifax report will be viewed as such.0
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