Mortgage provider made multiple searches and footprints on file.

[Deleted User]

johnsmith1890 wrote: »

Thanks, but couldn't get it to load for some reason (IE10). Just blank screen with garbled black writing in the centre. You got any more screenshots? I guess what we're looking for is someone who works for a lender to show us a screenshot.

A lender can't show you a screenshot as it's confidential and not to be shared.

However:

https://www.money.co.uk/guides/what-your-credit-report-really-tells-lenders.htm

https://www.blog.noddle.co.uk/credit-scores/what-information-will-a-lender-see-about-me-when-doing-a-credit-check/

https://www.checkmyfile.com/articles/2921/credit-check/what-landlords,-employers-and-lenders-see-on-your-credit-report.htm

[Deleted User]

!!! wrote: »

A lender can't show you a screenshot as it's confidential and not to be shared.

However:

https://www.money.co.uk/guides/what-your-credit-report-really-tells-lenders.htm

https://www.blog.noddle.co.uk/credit-scores/what-information-will-a-lender-see-about-me-when-doing-a-credit-check/

https://www.checkmyfile.com/articles/2921/credit-check/what-landlords,-employers-and-lenders-see-on-your-credit-report.htm

Thanks for that. However, none of articles answered the current question: would a lender be told the type of a credit application? To reiterate, if he's not told, and he also can't see the originator of the search, then the screenshot at the start of this thread would indicate multiple applications for credit in a short space of time.

System

Ironically Nationwide dont even show a search on Noodle and Experian.

Honestly what a mess having 3 reports is. They are all totally different!

[Deleted User]

beany_bot wrote: »

Ironically Nationwide dont even show a search on Noodle and Experian.

Honestly what a mess having 3 reports is. They are all totally different!

One of those links - I think it was checkmyfile - mentioned FOUR reports. So it's even worse! Anyone know if this is right, and if so, who the fourth agency is?

[Deleted User]

johnsmith1890 wrote: »

One of those links - I think it was checkmyfile - mentioned FOUR reports. So it's even worse! Anyone know if this is right, and if so, who the fourth agency is?

Crediva is the 4th CRA
https://www.checkmyfile.com/jargon/credit-reference-agencies.htm

[Deleted User]

beany_bot wrote: »

Ironically Nationwide dont even show a search on Noodle and Experian.

Honestly what a mess having 3 reports is. They are all totally different!

Because different lenders report to or use different CRA's.

Some use all, some don't.

MSE did provide a list, but it's not been updated for nearly 3 years, so the information is likely to be inaccurate:

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

[Deleted User]

!!! wrote: »

Crediva is the 4th CRA
https://www.checkmyfile.com/jargon/credit-reference-agencies.htm

Laughable, what's allowed in this country. Seems like it's open house if you want to set up as a CRA. The government needs to get a grip. Don't you need a licence or something for this? If there is no licence, then there should be, and there should only be one, or maybe two at the most, licences available.

[Deleted User]

johnsmith1890 wrote: »

Laughable, what's allowed in this country. Seems like it's open house if you want to set up as a CRA. The government needs to get a grip. Don't you need a licence or something for this? If there is no licence, then there should be, and there should only be one, or maybe two at the most, licences available.

Well they're authorised and regulated by the FCA...

System

But where are we in 20 years? Checking 47 different agencies to see if there is an error in our reports? Agree there needs to be a limit.

Nebulous2

beany_bot wrote: »

But where are we in 20 years? Checking 47 different agencies to see if there is an error in our reports? Agree there needs to be a limit.

Hopefully by then I'll have sold my CRA for millions and be living on a yacht.