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  • FIRST POST
    • UNDERGROUND
    • By UNDERGROUND 21st Apr 10, 4:57 PM
    • 1,041Posts
    • 771Thanks
    UNDERGROUND
    Credit Reference Agencies - Who Really Uses Who? II
    • #1
    • 21st Apr 10, 4:57 PM
    Credit Reference Agencies - Who Really Uses Who? II 21st Apr 10 at 4:57 PM
    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.....
    Last edited by UNDERGROUND; 26-05-2016 at 2:07 AM.
Page 41
    • Samsung_Note2
    • By Samsung_Note2 19th Feb 18, 10:05 PM
    • 516 Posts
    • 198 Thanks
    Samsung_Note2
    Any idea which credit reference agency / agencies they use? Also does anyone know much about them - a broker put me in touch with them for a secured loan
    Originally posted by mrschap

    We used them as a temporary measure.

    Seemed to be a lot of back and forth with various department,but they lent us the amount we wanted and all seems pretty clear from the start.
    If my appalling spelling offends you that much...dont read my posts.
    • Anthorn
    • By Anthorn 21st Feb 18, 3:11 PM
    • 3,811 Posts
    • 984 Thanks
    Anthorn
    Starling Bank
    Starling Bank

    credit search - Callcredit (Noddle)
    reporting - Equifax
    • jedthehumanoid
    • By jedthehumanoid 20th Apr 18, 4:19 PM
    • 39 Posts
    • 15 Thanks
    jedthehumanoid
    Principality Building Society
    Any idea who they use for credit checks? Trying to avoid Call Credit but they seem to have some fans amongst the building societies.


    A Natwest mortgage advisor confirmed to us that they use Equifax.
    • delpy1
    • By delpy1 20th Jul 18, 5:58 PM
    • 38 Posts
    • 3 Thanks
    delpy1
    Hi all does anyone know who Arnold Clark use for getting a car on PCP, Im hoping its experian



    Cheers
    • Gary_Dexter
    • By Gary_Dexter 20th Jul 18, 7:51 PM
    • 1,716 Posts
    • 986 Thanks
    Gary_Dexter
    Hoping it!!!8217;s experian based on what?

    Please don!!!8217;t say the make believe score
    • nissan st
    • By nissan st 21st Jul 18, 11:33 PM
    • 45 Posts
    • 1 Thanks
    nissan st
    rci for definite
    they told me today, also Barclays partner finance
    both search experian
    if you do it its done
    • delpy1
    • By delpy1 28th Jul 18, 12:25 PM
    • 38 Posts
    • 3 Thanks
    delpy1
    rci for definite
    they told me today, also Barclays partner finance
    both search experian
    Originally posted by nissan st
    Hi is this for Arnold Clark???
    • DondonA
    • By DondonA 11th Aug 18, 8:58 PM
    • 14 Posts
    • 2 Thanks
    DondonA
    Hi

    I recently applied for a mortgage with Nationwide and they only left a hard search on Equifax. They didnít search my other files
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