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  • Which Lender searches which Credit Reference Agency

    Which Lender searches which Credit Reference Agency

    This section is to explain which lender searches which credit agency; put simply if you want to apply for a bank account, card or loan from lender that only uses the records of say Equifax, this guide will show you the way...

    The guide is listed into categories, if any of the information quoted is inaccurate or out-of-date please post a reply to the thread and one of the mods will investigate and update the thread accordingly. Please bear in mind the information provided below is a guide only and not to be taken as guaranteed as lenders do change their supplier from time to time, and/or use additional facilities.


    Tip - Click the company name to be taken to the product homepage!

    Each search is established by the following legend:

    EX = Experian
    EQ = Equifax
    CC = Call Credit
    To access each section, simply click on the relevant link below;
    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

    If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

  • #2
    Bank - Current Accounts

    Bank - Current Accounts

    Allied Irish Bank (First Trust Bank)
    Search: EQ
    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 & Smile

    Search: EX
    Report: EX, EQ, CC

    Coventry Building Society

    Search: EQ
    Report:

    Cumberland Building Society

    Search:
    Report: EQ

    Halifax & Bank of Scotland

    Search: EX
    Report: EX, EQ, CC

    Intelligent Finance
    (Not accepting new applications)
    Search:
    Report:EX, EQ, CC

    HSBC & First Direct

    Search: EX, EQ
    Report: EX, EQ, CC

    Leeds Building Society

    Search: EX
    Report:

    Lloyds TSB

    Search: EX
    Report: EX, EQ, CC

    Metrobank

    Search: EQ
    Report:

    Nationwide

    Search: EX
    Report: EX, EQ, CC

    Northern Bank

    Search: EX
    Report:

    Northern Rock

    Search: EX
    Report:

    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

    Yorkshire Bank & Clydesdale Bank (National Australia Group)

    Search: EX
    Report: EX, EQ
    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

    If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

    Comment


    • #3
      Credit Cards

      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

      Barclaycard (
      incl. Bhs, Hilton HHonors, Orange, Priority Club, Thomas Cook)
      Search: EX, EQ
      Report: EX, EQ, CC

      Capital One

      Search: EX, EQ
      Report: EX, EQ, CC

      Citicard (Not accepting new applications)
      Search: EX
      Report: EX, EQ, CC

      Co-operative Bank & Smile

      Search: EX
      Report: EX, EQ, CC

      Egg (issued by
      Citicard)
      Search: EX, EQ
      Report: EX, EQ, CC

      Halifax & Bank of Scotland (
      incl. Marriot Rewards, Sainsbury's)
      Search: EX (+ EQ for Aqua Card)
      Report: EX, EQ, CC

      HSBC (
      incl. First Direct, M&S, The GM Card)
      Search: EX, CC (EQ for John Lewis Card)
      Report: EX, EQ, CC

      Lloyds TSB

      Search: EX, CC
      Report: EX, EQ

      MBNA (
      incl. AA, Amazon, bmi, BT, ICICI, Leeds BS, Newcastle BS, Norwich & Peterborough BS, Play.com, SonyCard, Virgin)
      Search: EX, CC (+ EQ for credit limit increases)
      Report: EX, EQ, CC

      Nationwide

      Search: EX
      Report: EX, EQ, CC

      Northern Bank

      Search: EX
      Report:

      Royal Bank of Scotland & NatWest (
      incl. Tesco, Ulster Bank)
      Search: EX, EQ
      Report: EX, EQ, CC

      Santander Cards (
      incl. Asda, Debenhams, House of Fraser, PayPal, Ryanair)
      Search: EX, EQ
      Report: EX, EQ, CC

      Sygma Bank (All Saints, Creation, Donate As You Spend, Flybe Card, JJB Card, Maximiles, myWorld, Silver Card
      )
      Search: EQ
      Report: EX, EQ

      Vanquis

      Search: EX
      Report: EX, EQ, CC

      Yorkshire Bank & Clydesdale Bank (National Australia Group)
      Search: EX
      Report: EX, EQ
      I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

      If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

      Comment


      • #4
        Loans

        Loans

        Black Horse
        Search:EX
        Report:

        Clydesdale Bank
        Search: EX
        Report:

        Creation Loans

        Search: EX, EQ
        Report:

        Halifax

        Search: EX
        Report: EX, EQ

        Lloyds TSB

        Search: EX
        Report:

        HSBC

        Search: EX
        Report: EX, EQ, CC

        Provident

        Search: N/A (not credit searched)
        Report: EX, CC (+EQ if defaulted)

        Quakle

        Search: EX
        Report:

        RateSetter

        Search: EQ, CC
        Report:

        Royal Bank of Scotland & NatWest

        Search: EX, EQ
        Report: EX, EQ, CC

        Santander

        Search: EX, EQ
        Report:

        Tesco

        Search: EX, EQ
        Report: EX, EQ, CC

        YES-secure

        Search: CC
        Report:

        Zopa

        Search: EQ
        Report: EX, EQ, CC
        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

        If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

        Comment


        • #5
          Catalogues

          Catalogues

          Candid Collections Limited / JD Williams (Ambrose Wilson, Premier Man, Simply Be)
          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 Financial Services (Additions Direct, Choice, K & Co, Littlewoods, isme [
          formerly Marshall Ward] , Very)
          Search: EQ
          Report: EX, EQ, CC
          I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

          If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

          Comment


          • #6
            Store Cards / Store Finance / Online Finance

            Store Cards / Store Finance / Online Finance

            Argos Store Card
            Search: EX
            Report: EX, EQ

            Creation Financial Services (DSG Retail [Currys, Dixons, PC World], Dell, dfs, Dreams, M&Co, ScS, Selfridges, USC)
            Search: EX, EQ
            Report:

            Ikano Financial Services (Habitat, IKEA, Mango, New Look, Oasis, Principles, Warehouse)

            Search: EX
            Report: EX, EQ, CC

            Next

            Search: EX, EQ
            Report: EX, EQ

            Santander Cards (Arcadia Group [Burton, Comet, Dorothy Perkins, Evans, Miss Selfridge, Outfit, Topshop, Topman, Wallis], Debenhams & House of Fraser)

            Search: EX
            Report: EX, EQ, CC

            V12 Finance (1staudiovisual, aria, DABS.com, Direct Golf UK, Futurehome, Martyn Lynch & Sons, Misco, mynewcheap, Scan, Wheelies Direct)
            Search: CC
            Report:
            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

            Comment


            • #7
              Mortgages

              Mortgages

              Brittania Building Society
              Search: EX
              Report:

              Cheltenham & Gloucester

              Search: EX
              Report:

              Co-operative Bank

              Search: EX
              Report:

              Coventry Building Society

              Search:
              Report: EX, EQ, CC

              GMAC RFC
              (through an IFA)
              Search: EX
              Report: EX

              Halifax

              Search: EX
              Report:

              HSBC

              Search: EX
              Report:

              Nationwide

              Search: EX
              Report: EX, EQ, CC

              Norwich and Peterborough

              Search: EX
              Report: EX, EQ, CC

              Northern Rock

              Search: EX
              Report: EX, EQ

              Royal Bank of Scotland & NatWest

              Search: EX, EQ
              Report:

              Santander

              Search: EX
              Report: EX, EQ

              Yorkshire Building Society

              Search: EQ
              Report:
              I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

              If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

              Comment


              • #8
                Motor Finance

                Motor Finance

                Alphera Finance
                Search: EX
                Report:

                Black Horse

                Search: EX
                Report:

                Duncton

                Search: EQ
                Report:

                Santander Consumer Motor Finance

                Search: EX
                Report: EX, EQ, CC

                Toyota Financial Services

                Search: EQ
                Report: EX, EQ

                Volkswagen Financial

                Search: EX
                Report:
                I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                Comment


                • #9
                  Utilities, Mobiles, Landline, TV & Internet

                  Utilities, Mobiles, Landline, TV & Internet
                  3
                  Search: EX
                  Report: EX, EQ

                  BT

                  Search: EQ
                  Report: EX, EQ

                  British Gas

                  Search: EX
                  Report: EX

                  Carphone Warehouse

                  Search: EX, EQ
                  Report: EX, EQ

                  O2

                  Search: EQ (EXfor business tariffs)
                  Report: EX, EQ, CC

                  Orange

                  Search: EX, EQ
                  Report: EX, EQ, CC

                  T-Mobile

                  Search: EQ
                  Report: EX, EQ, CC

                  Tesco Mobile

                  Search: EQ
                  Report: EQ

                  Virgin Mobile

                  Search: EQ
                  Report: EQ

                  Virgin Media

                  Search: EQ
                  Report: EQ

                  Vodafone

                  Search: EX, EQ
                  Report: EX, EQ, CC
                  I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                  If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                  Comment


                  • #10
                    Re: Which Lender searches which Credit Reference Agency

                    If users can post comments here clarifying the above dependant on the accounts you hold, that'd be great! Lenders change and swap CRA's all the time so the info above is only as good as the day I last updated things..

                    Thanks
                    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                    If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                    Comment


                    • #11
                      Re: Which Lender searches which Credit Reference Agency

                      Yorkshire Water have just started reporting mine on Experian this month. As it happens I'm up to date, but I'm annoyed that I've been with them since 1998 and have never signed anything to allow them to do this.

                      Comment


                      • #12
                        Re: Which Lender searches which Credit Reference Agency

                        Originally posted by Undercover Elsa View Post
                        Yorkshire Water have just started reporting mine on Experian this month. As it happens I'm up to date, but I'm annoyed that I've been with them since 1998 and have never signed anything to allow them to do this.
                        Oh I am arguing with their CEO with this one, same as e-On as both have started reporting (e-On report to Equifax) without any agreement by me. Apparently the ICO say it's acceptable to suddenly start reporting data if they tell us - to which I argued yes, if we have right to refuse service however as water boards are tied to a locale, we cannot argue with YW and decide to go to Severn can we, hence due to lack of competition they actually cannot share my data as there is no way for me to reject such sharing in line with my human rights.

                        They have not come back to me yet.... I might start a super-complaint regards this as it really winds me up that in essence they are saying we are now sharing your info but you have no right to reject it, because we supply your water and always will do so you get no choice about it either.

                        It's bollocks
                        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                        If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                        Comment


                        • #13
                          Re: Which Lender searches which Credit Reference Agency

                          I agree..count me in on the super complaint. I've had no communication from them whatsoever about this.
                          I detest YW anyway as a few years ago they sent me a summons in June, not just for arrears but for the water I hadn't used yet up to the following March. Had to cancel a holiday to pay it and prevent a CCJ.

                          Comment


                          • #14
                            Re: Which Lender searches which Credit Reference Agency

                            This is really useful information !

                            Can someone explain the difference between "Search" and "Report" ?

                            For example Nationwide use EX only for Search but EX,EQ and CC for Report ?

                            Thanks

                            Comment


                            • #15
                              Re: Which Lender searches which Credit Reference Agency

                              It means they search x agency but when accepted they share data with x, y & z agency - of course
                              I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                              If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                              Comment

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