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Atom Bank and Equifax
MeadowsVale
Posts: 23 Forumite
I have a mortgage with Atom bank for over a year now, it appears on my Experian and TransUnion reports but not Equifax. Anyone else here with a Atom bank mortgage with the same situation?
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Not all lenders report to all CRA`s, nothing odd about that, its just the way they work.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter1
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I know that. What I'm trying to find out is if there are other Atom mortgage customers out there who's mortgage doesn't appear on Equifax.sourcrates said:Not all lenders report to all CRA`s, nothing odd about that, its just the way they work.0 -
Lenders don't pick and choose which customers they report to which agencies, they have a blanket approach where all customers who apply get reported to the same agency. Someone could have a loan which is on Equifax if they used to report to them but then changed but that won't make any difference to you.MeadowsVale said:
I know that. What I'm trying to find out is if there are other Atom mortgage customers out there who's mortgage doesn't appear on Equifax.sourcrates said:Not all lenders report to all CRA`s, nothing odd about that, its just the way they work.Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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