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Who uses what credit agency

Last post Wed, Jul 29 2009, 11:21 PM by conmankiller. 2 replies.
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  •  Wed, Jul 29 2009, 11:21 PM

    Re: Who uses what credit agency

    EQ = Equifax
    EX = Experian
    CC = Call Credit

    The key above indicates which financial organisation uses what respective credit agency(s)...courtesy of another website. !

    ..................................................... ...........................................



    Bank Current Accounts

    Abbey (incl. Cahoot)
    Search: EX
    Report: EX, EQ, CC
    Alliance & Leicester
    Search: EX
    Report: EX, EQ, CC
    Bank Of Ireland
    Search: EX
    Report:
    Barclays
    Search: EX
    Report: EX, EQ, CC
    Citibank
    Search:EX
    Report: EX
    Co-op (incl. smile)
    Search: EX
    Report: EX, EQ, CC
    Halifax & BOS
    Search: EX
    Report: EX, EQ, CC
    HSBC (incl. First Direct)
    Search: EX
    Report: EX, EQ, CC
    Lloyds TSB
    Search: EX
    Report: EX, EQ, CC
    Nationwide
    Search: EX
    Report: EX, EQ, CC
    RBS & NatWest
    Search: EX, EQ
    Report: EX, EQ, CC
    Yorkshire Bank
    Search: EX
    Report: EX


    Credit Cards

    American Express
    Search: EX, EQ
    Report: EX, EQ, CC
    Bank Of Ireland (incl. Post Office Card)
    Search: EX, EQ
    Report: EX
    Barclaycard (incl. Sky Card, Argos Credit Card, Leeds BS)
    Search: EQ
    Report: EX, EQ, CC
    Capital One
    Search: EX, EQ
    Report: EX, EQ, CC
    Citicard
    Search: EX
    Report: EX, EQ
    Co-op (incl. smile)
    Search: EX
    Report: EX, EQ
    Egg
    Search: EX, EQ
    Report: EX, EQ, CC
    Halifax & BOS (incl. Sainsbury's)
    Search: EX (+ EQ for Aqua Card)
    Report: EX, EQ, CC
    HSBC (incl. First Direct, M&S)
    Search: EX, CC (EQ for John Lewis card)
    Report: EX, EQ
    Lloyds TSB
    Search: EX
    Report: EX, EQ
    MBNA (incl. Alliance & Leicester, Virgin, ICICI)
    Search: EX (+EQ for credit limit increases)
    Report: EX, EQ, CC
    Monument Card
    Search: CC
    Report: EX, EQ, CC
    National Australia Bank Group (Yorkshire Bank, Clydesdale)
    Search: EX
    Report: EX, EQ
    Nationwide
    Search: EX
    Report: EX
    RBS & NatWest (incl. MINT, Tesco, Ulster Bank)
    Search: EX, EQ
    Report: EX, EQ, CC
    Santander Cards (incl. Abbey, GE Money, Asda)
    Search: EX, EQ

    Report: EX

    Sygma Bank (JJB Card, Flybe Card)
    Search: EQ
    Report: EX, EQ
    Vanquis (incl. Grattan Card, Freemans Card)
    Search: EX
    Report: EX, EQ


    Mobile Phones / Landlines

    3
    Search: EX
    Report: EX, EQ
    BT
    Search: EQ
    Report: EX, EQ
    Carphone Warehouse
    Search: EX, EQ
    Report: EX, EQ
    O2
    Search: EX, EQ
    Report: EX, EQ, CC
    Orange
    Search: EX
    Report: EX, EQ
    T-Mobile
    Search: EQ
    Report: EX, EQ
    Virgin Mobile
    Search: EX
    Report: EX
    Vodafone
    Search: EX
    Report: EX, EQ


    Catalogues

    Candid Collections Limited / JD Williams (Simply Be, Ambrose Wilson, Premier Man + numerous small brands)
    Search: EX, EQ
    Report: EX, EQ
    Express Gifts (Studio, Ace, Health & Home Shopping)
    Search: EX
    Report: EX, EQ
    Next Directory
    Search:EQ
    Report: EX, EQ, CC
    Otto Group (Freemans, Grattan)
    Search: EQ, EX
    Report: EX, EQ, CC
    Redcats (LaRedoute, Vertbaudet, Daxon)
    Search: EQ
    Report: EX, EQ, CC
    Shop Direct Group / Shop Direct Financial Services (Littlewoods, Great Universal, Kays, Choice, Marshall Ward, Additions Direct, Empire Stores)
    Search: EQ
    Report: EX, EQ, CC


    Loans

    Barclaycard Masterloan
    Search: EQ
    Report:
    Halifax
    Search: EX
    Report:
    HSBC
    Search: EX
    Report: EX, EQ, CC
    NatWest
    Search: EX, EQ
    Report: EX, EQ, CC
    Provident
    Search: N/A

    Report: EX (+EQ if defaulted)
    Tesco
    Search: EQ
    Report:
    Zopa
    Search: EQ
    Report:

    Store Cards

    Argos Store Card
    Search: EX
    Report: EQ
    GE Money / Santander (House of Fraser, Arcadia Group, River Island et al)
    Search: EX
    Report:
    Ikano Financial Services (Store cards: IKEA, Habitat, Oasis, Warehouse, Principals, New Look, Mango)
    Search: EX
    Report: EX, EQ
    Next
    Search: EQ
    Report:

    Mortgages

    Abbey
    Search: EX
    Report: EX, EQ
    GMAC RFC (through an IFA)
    Search: EX
    Report: EX

    • Post Points: 5
  •  Wed, Jul 29 2009, 10:12 PM

    Re: Who uses what credit agency

    This has already been done on an alternative web site. Dunno how up to date it is though.
    • Post Points: 5
  •  Wed, Jul 29 2009, 9:56 PM

    Who uses what credit agency

    Hi

    I would like to propose to the mods that we create a link / page / graph of what financial instatutions uses what credit agency.

    This helps you use your credit record to make applications to companies when you have a good record - eg. I have a score of 800+ with Call credit and Equifax but my experian is 600+ (thats because i made 3 searches in the last 6 months and have 2 accounts open all showing on experian).

    So for me its best to make applications to companies that are likely to use call credit & equifax while my experian score recovers.

    For starters:

    Natwest (current account) - Callcredit + Equifax

    3 Mobile - Callcredit + Equifax

    Cash Plus - Call credit + experian

    Please feel free to add to the and also search google 'Who uses who' for an idea on how this could work as its been done before.

    Cheers

    • Post Points: 35