Check if loan company uses Equifax or Experian

mac1fm

I regularly check my credit rating with Experian and ClearScore (which I think uses Experian data?)

Both give me VERY different ratings - it seems because 1 of them takes into account a large car finance that is in my name as a partnership business partner but the other doesn't show it.

I am looking for car finance for a personal car now and in applying for finance it would see to make it much more likely to be accepted if I apply from a finance company which checks using Experian which is the agency I have a very good rating with. Is it possible somehow to find out which finance companies check with which credit rating agencies? Or do they check them all anyway?

Many thanks in advance for any help.

[Deleted User]

Clearscore use Equifax.

Your “rating” (and score) means nothing in the real world.

Lenders don’t see, care about or use them.

They only look at the data on your files and your account behaviour.

mac1fm

Ah ok, thanks Gary

Ben8282

It can be very difficult to determine which CRA or CRA's a lender will search in respect of an application.
A couple of years ago I applied for a credit card. The lenders website made reference to contacting Experian to check credit files if application was declined with no mention of any other CRA so it would be a reasonable assumption that they used Experian.
Now I had no problem and got the card ok but no search, soft or hard, ever appeared on my Experian credit files although they do report the account to them. Who did they search? Don't know becauser I didn't bother to look but they obviously didn't use Experian.

mac1fm

Thanks Ben - I think I should probably just go ahead and apply and hope for the best.

gionnetto

mac1fm wrote: »

Is it possible somehow to find out which finance companies check with which credit rating agencies?.

Check this thread:
https://forums.moneysavingexpert.com/discussion/2419785/credit-reference-agencies-who-really-uses-who-ii
and this article:
https://www.moneysavingexpert.com/loans/credit-rating-credit-score/

Because my score is higher with Experian, I've only applied for credit from lenders checking Experian. It worked so far! :T

Ben8282

gionnetto wrote: »

Check this thread:
https://forums.moneysavingexpert.com/discussion/2419785/credit-reference-agencies-who-really-uses-who-ii
and this article:
https://www.moneysavingexpert.com/loans/credit-rating-credit-score/

Because my score is higher with Experian, I've only applied for credit from lenders checking Experian. It worked so far! :T

This thread is nine years old and the information in it cannot be relied on to be accurate.

mac1fm

Thanks Ben - that thread is exactly what I'm looking for! Many thanks

[Deleted User]

gionnetto wrote: »

Because my score is higher with Experian, I've only applied for credit from lenders checking Experian. It worked so far! :T

Your “score” has nothing remotely to do with the success of your applications.