What exactly do lenders see re credit accounts?

redrosebud Forumite Posts: 26
10 Posts
Hi all, I've seen some conflicting information on this so thought I'd try get some input from the knowledgeable people here. When a lender conducts a hard search, and they see who you have credit card accounts with, do they actually see the name of the credit card provider, or just that you have a credit card with x credit limit, y balance, z history?

Follow-up question if they can see the name of the credit card provider - is this taken into account? Say you've had good credit history for 6 years, but still have a card from a "bad credit" provider like Zopa, Zable etc., and a lender like AmEx or Barclaycard is conducting a hard search, would they view the existence of an account with a "bad credit" provider as a negative, or is it only the credit limit, balance, payment history etc. that's taken into account?

Thanks in advance.


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