What exactly do lenders see re credit accounts?

redrosebud

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.

MorningcoffeeIV

They don't see the name of the lender.

redrosebud

MorningcoffeeIV said:

They don't see the name of the lender.

Great, thanks!

marcia_

MorningcoffeeIV said:

They don't see the name of the lender.

Sure they do. I was asked security questions as part of a credit check with EE. One question asked who my mortgage provider was. 

MorningcoffeeIV

marcia_ said:

MorningcoffeeIV said:

They don't see the name of the lender.

Sure they do. I was asked security questions as part of a credit check with EE. One question asked who my mortgage provider was. 

Indeed 

But they don't know the answer. It goes via the CRA for verification.

So the answer remains - they don't.