Is there a list of which agencies are used by various companies?

stewartwilliams

My credit record isn't great.

I generally get a report from Clearscore each month, and a CCJ dropped off last month (for a Barclaycard that I never had).  They show one defaulted card from 2019 (change of job etc. caused a few issues) that I'm paying back (although as there's no DD in place, and I'm just paying around the same time every month, there's no record of any payments - although not sure if a payment plan will remedy this?).

Had a quick look at Transunion, and there's 3 CCJs on there from Drysden for 3 x student loans.  These appeared 17 years after I graduated.  Didn't know anything about them - just get the occasional statement from them.  Clearscore doesn't show these.

Anyway, needed a replacement car last year and went to a local garage and got a loan through a broker.  Not a bad rate, but not amazing either.  That's showing as being paid each month on Clearscore, with Experian saying I have no active accounts.  At least I'm showing some credit history there.
My car insurance doesn't appear on Clearscore, but does on Transunion.

So is there any way of telling which agency a provider might use?  There's 3 years now left on the Drysden CCJs and I'm very limited as to what I can do.  
A credit card, even sub-prime, would be handy for further trying to rebuild my credit history, although last time I did one of their "check before you apply" searches earlier in the year (Aqua or something), I was refused.
I know Amex use Experian but I'm probably aiming too high with them even with a half decent salary coming in each month.

adamp87

They tell you if you look on the t&c’s usually before they run a check/application.

They’ll usually use info from 1-2 I’ve found mind.

With a CCJ on your file the chances of good credit lines are going to be slim if none at all until it’s gone.

I’d be looking into details of these CCJ’s although if they’ve been approved I’m guessing you didn’t contest them at the time which means it was a easy case at court?