Credit Reference Agencies - Who Really Uses Who? II

Legacy_user · 21 April 2010 at 4:57PM

Below is a list of major financial companies which provide bank accounts, credit cards, mobile phone contracts, loans, home shopping catalogues, mortgages and motor finance which I will update with which credit reference agency (CRA) they use to search and report to as people post it up.

PLEASE HELP KEEP THIS THREAD UP TO DATE BY POSTING UP ANY INFORMATION YOU HAVE - T H A N K S

DISCLAIMER: THIS POST IS A GUIDE ONLY AND ANY INFORMATION CONTAINED WITHIN IS NOT GUARANTEED TO BE ACCURATE. ALL INFORMATION POSTED IS BASED ON THE EXPERIENCE OF OTHER MSE FORUM USERS

Free access to Equifax credit report: Clearscore
Free access to Call Credit credit report: Noddle

Key:
EX = Experian
EQ = Equifax
CC = Call Credit

* = An asterisk symbol next to a CRA in an entry denotes that most forum users have reported that the lender uses that CRA.

# = An hash symbol next to a CRA in an entry denotes that this was my personal experience when I applied for the product. This was my experience, yours may be different!

BANK CURRENT ACCOUNTS

Allied Irish Bank (First Trust Bank)
Search: EQ (see post #99)
Report:
Bank Of Cyprus
Search: EQ
Report: EQ
Bank Of Ireland
Search: EQ
Report: EX, EQ
Barclays
Search: EX#
Report: EX, EQ, CC
Citibank
Search: EX
Report: EX
Co-operative Bank (incl. smile)
Search: EX#
Report: EX, EQ, CC
Cumberland Building Society
Search:
Report: EQ
Danske Bank
Search: EX
Report:
Halifax & Bank of Scotland
Search: EX#, EQ, CC
Report: EX, EQ, CC
HSBC (incl. First Direct)
Search: EX#, EQ
Report: EX, EQ, CC
Lloyds
Search: EX, CC
Report: EX, EQ, CC
Marks & Spencer (HSBC)
Search: EX, EQ, CC
Report: EX, EQ, CC
Metrobank
Search: EQ
Report: EX, EQ, CC
Nationwide
Search: EX
Report: EX, EQ, CC
Norwich & Peterborough Building Society
Search: EX, EQ
Report: EQ, CC
Royal Bank of Scotland & NatWest
Search: EX#, EQ#
Report: EX, EQ, CC
Santander
Search: EX
Report: EX, EQ, CC
Tesco Bank
Search: EX, CC
Report: EX, EQ, CC
TSB
Search: EX
Report: EX, EQ, CC
Yorkshire Bank & Clydesdale Bank (National Australia Bank Group)
Search: EX#
Report: EX, EQ, CC

Continued.....

System · 21 April 2010 at 4:57PM

DISCLAIMER: THIS POST IS A GUIDE ONLY AND ANY INFORMATION CONTAINED WITHIN IS NOT GUARANTEED TO BE ACCURATE. ALL INFORMATION POSTED IS BASED ON THE EXPERIENCE OF OTHER MSE FORUM USERS

CREDIT CARDS

Allied Irish Bank (incl. Saga, First Trust Bank)
Search: EQ
Report: EX, EQ
American Express
Search: EX#, EQ#
Report: EX, EQ, CC
Bank Of Ireland
Search: EQ (EX for Post Office Card)
Report: EX, EQ, CC
Barclaycard (incl. Hilton HHonors)
Search: EX, EQ*#
Report: EX, EQ, CC
Capital One
Search: EX, EQ, CC
Report: EX, EQ, CC
Co-operative Bank (incl. smile)
Search: EX#
Report: EX, EQ, CC
Danske Bank
Search: EX
Report:
Diners Club
Search: EQ
Report:
Halifax & Bank of Scotland
Search: EX#, CC
Report: EX, EQ, CC
HSBC (incl. First Direct, M&S)
Search: EX, CC (EQ# for John Lewis Card)
Report: EX, EQ, CC
Lloyds
Search: EX, CC
Report: EX, EQ, CC
MBNA (incl. AA, Miles & More, Norwich & Peterborough BS)
Search: EX*#, CC (+EQ for credit limit increases)
Report: EX, EQ, CC
Metrobank
Search: EQ
Report:
Nationwide
Search: EX
Report: EX, EQ, CC
New Day (Aqua, Burton, Debenhams, Dorothy Perkins, Evans, House of Fraser, Laura Ashey, Outfit, Topman, Topshop, Wallis)
Search: EX
Report: EX, EQ, CC
Royal Bank of Scotland & NatWest (incl. Ulster Bank)
Search: EX, EQ
Report: EX, EQ, CC
Sainsbury's
Search: EX, CC
Report: EX, EQ, CC
Santander Cards
Search: EX#, EQ
Report: EX, EQ, CC
Sygma Bank (Asda, Creation, Flybe, Maximiles)
Search: EQ
Report: EX, EQ
Tesco
Search: EX#, EQ, CC#
Report: EX, EQ, CC
Vanquis
Search: EX
Report: EX, EQ, CC
Virgin Money
Search: EX, CC
Report:
Yorkshire Bank & Clydesdale Bank (National Australia Bank Group)
Search: EX
Report: EX, EQ

Continued.....

System · 21 April 2010 at 4:58PM

DISCLAIMER: THIS POST IS A GUIDE ONLY AND ANY INFORMATION CONTAINED WITHIN IS NOT GUARANTEED TO BE ACCURATE. ALL INFORMATION POSTED IS BASED ON THE EXPERIENCE OF OTHER MSE FORUM USERS

MOBILE PHONES / LANDLINES / TELEVISION / BROADBAND / UTILITIES

3
Search: EX, EQ, CC
Report: EX, EQ, CC
BT
Search: EQ#
Report: EX, EQ
British Gas
Search:
Report: EX, CC
E.ON
Search: EQ#
Report: EQ
Carphone Warehouse
Search: EX, EQ
Report: EX, EQ
EE
Search: EX, EQ
Report: EX, EQ, CC
First Utility
Search: CC#
Report:
N Power
Search:
Report: EX
O2
Search: EQ# (EX for business tariffs)
Report: EX, EQ, CC
Southern Electric
Search: EQ
Report:
SSE
Search: EX
Report:
United Utilities
Search:
Report: EQ
Tesco Mobile
Search: EQ
Report: EQ
Virgin Mobile
Search: EQ
Report: EQ
Virgin Media
Search: EQ
Report: EX, EQ, CC
Vodafone
Search: EX#, EQ
Report: EX, EQ, CC
Welsh Water
Search:
Report: EX
Yorkshire Water
Search:
Report: EX

CATALOGUES

Candid Collections Limited / JD Williams (Ambrose Wilson, Premier Man, Simply Be + numerous small brands)
Search: EX, EQ
Report: EX, EQ, CC
Findel Plc / Express Gifts (Ace, Health & Home Shopping, Studio)
Search: EX#
Report: EX, EQ, CC
Next Directory
Search: EX, EQ#
Report: EX, EQ, CC
Otto Group (Freemans, Grattan)
Search: EX, EQ
Report: EX, EQ, CC
Redcats (Daxon, LaRedoute, Vertbaudet)
Search: EQ
Report: EX, EQ, CC
Shop Direct Group / Shop Direct Finance Company (Littlewoods, Very)
Search: EQ#
Report: EX, EQ, CC

Continued.....

System · 21 April 2010 at 4:58PM

DISCLAIMER: THIS POST IS A GUIDE ONLY AND ANY INFORMATION CONTAINED WITHIN IS NOT GUARANTEED TO BE ACCURATE. ALL INFORMATION POSTED IS BASED ON THE EXPERIENCE OF OTHER MSE FORUM USERS

LOANS

Black Horse
Search: EX
Report:
Clydesdale Bank
Search: EX
Report: CC
Creation Loans
Search: EX, EQ
Report:
Everyday Loans
Search: EQ
Report:
Halifax
Search: EX
Report: EX, EQ
Lloyds
Search: EX
Report:
HSBC (incl. First Direct)
Search: EX
Report: EX, EQ, CC
Marks & Spencer
Search: EX, EQ
Report:
Nationwide
Search: EX, EQ, CC
Report:
Post Office (Bank of Ireland)
Search: EX
Report:
Provident
Search: N/A (not credit searched)
Report: EX, CC (+EQ if defaulted)
QuickQuid
Search: CC
Report: CC
RateSetter
Search: EQ, CC
Report: EQ, CC
Royal Bank of Scotland & NatWest
Search: EX, EQ
Report: EX, EQ, CC
Sainsbury's
Search: EX, CC
Report:
Santander
Search: EX, EQ, CC
Report: EX, EQ, CC
Tesco
Search: EX#, EQ*#, CC#
Report: EX, EQ, CC
Wonga
Search: EX, CC
Report: EX, EQ, CC
Zopa
Search: EQ#, CC
Report: EX, EQ, CC

STORE CARDS / STORE FINANCE / ONLINE STORE FINANCE

Argos Store Card
Search: EX, CC
Report: EX, EQ
Barclays Partner Finance (Apple, Dreams, ScS)
Search: EX
Report:
Brighthouse
Search: CC
Report:
Creation Financial Services (DSG Retail URL="http://www.currys.co.uk/gbuk/index.html"][COLOR=blue]Currys[/COLOR][/URL], [URL="http://www.pcworld.co.uk/gbuk/index.html"][COLOR=blue]PC World[/COLOR][/URL, Dell)
Search: EX, EQ
Report:
Hitachi Capital Consumer Finance
Search: EX#
Report:
Ikano Bank (Bensons for Beds, IKEA, Harveys, Karen Millen, New Look, Oasis, Vision Express, Warehouse)
Search: EX
Report: EX, EQ, CC
Next
Search: EX, EQ
Report: EX, EQ
PayPal Credit
Search: CC#
Report:
V12 Finance (Affordable Golf, aria, Scan, Wheelies Direct)
Search: CC
Report: EX, CC

Continued.....

System · 21 April 2010 at 5:03PM

DISCLAIMER: THIS POST IS A GUIDE ONLY AND ANY INFORMATION CONTAINED WITHIN IS NOT GUARANTEED TO BE ACCURATE. ALL INFORMATION POSTED IS BASED ON THE EXPERIENCE OF OTHER MSE FORUM USERS

MORTGAGES

Co-operative Bank
Search: EX
Report:
Coventry Building Society
Search:
Report: EX, EQ, CC
Cumberland Building Society
Search: EQ
Report:
Halifax
Search: EX
Report:
Hanley Economic Building Society
Search: EQ
Report:
HSBC
Search: EX
Report:
Leeds Building Society
Search: EQ
Report:
Nationwide
Search: EX
Report: EX, EQ, CC
Norwich and Peterborough
Search: EX
Report: EX, EQ, CC
Royal Bank of Scotland & NatWest
Search: EX, EQ
Report:
Skipton Building Society
Search: CC
Report:
Santander
Search: EX
Report: EX, EQ
Yorkshire Bank & Clydesdale Bank (National Australia Bank Group)
Search:EX
Report:EX, EQ, CC
Yorkshire Building Society (incl. Chelsea Building Society)
Search: EQ
Report:

MOTOR FINANCE

ALD Automotive Finance
Search: EX
Report
Alphera Finance
Search: EX
Report:
Black Horse
Search: EX
Report:
Banque PSA Finance (Citroën, Peugeot)
Search: EX
Report:
Mercedes-Benz Finance
Search: EQ
Report:
MotorNovo
Search: EQ
Report:
RCI Financial Services (Dacia, Nissan, Renault)
Search: EQ
Report:
Santander Consumer Finance (Hyundai, Kia, Mazda, Volvo)
Search: EX
Report: EX, EQ, CC
Toyota Financial Services
Search: EQ
Report: EX, EQ
Volkswagen Financial
Search: EX, CC
Report:

UNDERGROUND

Innocent_Guy · 21 April 2010 at 5:53PM

Like it, well done!!!

soul619 · 21 April 2010 at 6:02PM

fantastic! i could never find anything in the old one!

never-in-doubt · 21 April 2010 at 7:49PM

Excellent new thread Underground - well done mate :T :T

Now you have the first few posts, you can add/amend as you please...... should be able to keep this going for many a year

BugsyBrowne · 21 April 2010 at 7:51PM

Thought i wrote on this earlier, yorkshire building society uses experian

sutton111 · 21 April 2010 at 8:36PM

Vodafone also search Equifax. They searched my credit file last July.

never-in-doubt · 21 April 2010 at 9:10PM

sutton111 wrote: »

Vodafone also search Equifax. They searched my credit file last July.

How odd, they shouldn't cos they have an SLA with Experian mate

Credit Reference Agencies - Who Really Uses Who? II

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