CREDIT CHECKS FOR NEW APPLICANTS

Fastrack1966

Does anyone know why some banks do not appear in one's credit file with Experian or Equifax? If these records are partly there to prevent fraud should all banks be on there? 

easyasonetwothree

There's a third - TransUnion. Check there if you're missing something from the other 2. 

CliveOfIndia

You need to check all 3 of your credit reports.  Not all lenders report in to (or check) all three CRAs.

GrumpyDil

Although to answer the question. I have some old First Direct accounts which I believe don't appear as the original application was before current accounts were routinely reported to the CRAs

Martico

GrumpyDil said:

Although to answer the question. I have some old First Direct accounts which I believe don't appear as the original application was before current accounts were routinely reported to the CRAs

Yup. My oldest accounts (1980s) don't appear on any of them either. Not a big deal

Fastrack1966

"You need to check all 3 of your credit reports". Which is the third one please?

Fastrack1966

Sorry, Transunion, just seen that!