Credit report information

You'd think they should be, but they are not consistent. I get data on one report but not on the other. If I was you, I'd get both to be sure.

You should get both. They get data from different, but not mutually exclusively, sources. Some credit providers report to one but not the other, and some (most) report to both. You should find that where the latter happens, the contents, allowing for any time delay in updating their files, is the same between the two, but even that doesn't always happen.

The upside of each company having (in some cases) different credit providers reporting to them is that, if you have, for example, adverse credit showing on one report but not the other, you can apply to a credit provider who you know only reports to the one that shows you in the better light, with a greater chance of success.

The problem is in finding out which credit providers report to which company, or to both :-)

Brian

Even ask *three* of them:

Vadim

Without a hint of irony, bigbrian astounded uk.legal on 29 Jan 2004 by announcing:

You just ask them.

"Alex" wrote

Ermm - if you were a lender which used (say) Experian, and a prospective borrower asked *which* credit reference agency you used just before applying - wouldn't you get a little suspicious of what might be on their Equifax report?? :-(

Without a hint of irony, "Tim" astounded uk.legal on 01 Feb

Irrelevant. I'd be obliged to tell them which agency I use. And how do I know they're about to apply, anyway?

Right applied to "two" of them

Experian holds a lot of infomation regarding applications/ex husbands accounts/account history

Equifax held a little information (not much account history except 02) and a credit search by Capital One (report looked quite good really)

Call Credit is a new provider and not used by many companies, and so does hold much information except

"Please note that Callcredit are a recently formed credit reference agency and are currently building their databases. The information held by us at present consists of Electoral Roll data, County Court Judgments, Bankruptcies and previous searches. We anticipate that further information (including Share data, supplied to us by UK lenders) will be held on our databases from Spring 2003"