Where do lenders get their credit information?

The major credit grantors share information with the credit reference agencies regarding their customers credit agreements. Some lenders may share credit information with one credit reference agency, some may use two credit reference agencies, and a handful of credit grantors will use all three credit reference agencies. Should you wish to obtain a copy of your credit report, you can do so using the links provided below:

	» FREE CreditExpert Credit Score From Experian CLICK HERE*
	» Get Your FREE* Personal Equifax Credit Report & Credit Watch Gold Monitoring: CLICK HERE NOW!
	» Get the 3 in 1 Credit Report from Checkmyfile HERE

The table below demonstrates which lenders use which credit reference agencies*. Should you wish to conduct a credit report on yourself, you should ensure that you use a credit reference agency that reflects the lender(s) you have used in the past.

If you are searching for further credit facilities, you may find that your credit score is higher with one credit reference agency compared to another. For example, if you've had bad credit with a lender who uses experian (but doesn't use the other credit reference agencies), you may find your credit score is higher with Callcredit and Equifax. As a result of this, you may be able to get more favourable credit terms by using a lender that uses that particular credit reference agency.

Table detailing which lenders use which credit reference agencies:

Lender	Callcredit	Equifax	Experian
AA
Abbey
Alliance & Leicester
American Express
Bank of Ireland
Bank of Scotland
Barclaycard
Birmingham Midshires
Bristol and West
Britannia BS
Cahoot
Cambridge BS
Chelsea BS
Citibank
Co-op Bank
Direct Line
Egg
First Direct
Halifax
HSBC
ICICI
Intelligent Finance
Leeds BS
Liverpool Victoria
Lloyds TSB
Lombard Direct
Marks & Spencer
MBNA
Mint
Morgan Stanley
Nationwide
Natwest
Northern Rock
Portman BS
Post Office
Prudential
RBS
Sainsburys Bank
Scottish Widows
Skipton BS
Stroud & Swindon BS
Virgin
Yorkshire BS

 

If you have any questions, feel free to email us at: info@thecreditagency.co.uk

 

*The information provided in the table above has been compiled using information gained from the moneysavingexpert site. Should you wish to make any decisions regarding this information, it is recommended that you contact the lender first to ascertain that it is correct at the present time. www.thecreditagency.co.uk accepts no responsibility for the way in which the information provided is used.