|Which Credit Report Do Lenders Use?|
When you apply for a mortgage, loan or credit card lenders search your credit file before making a decision about whether or not to lend. They use the information from your credit report and the information from your application form to calculate your credit score and determine how much is appropriate to lend and sometimes what interest rate to offer you.
There are three UK credit reference agencies that exchange information with lenders, Experian, Equifax and Call Credit. If you ever order your free credit reports from all three credit reference agencies, you'll discover that the information provided by each one is slightly different.
Usually a lender obtains your information from one or two of the credit reference agencies, but in most cases not all three (although there are some that do).
This means that, if you know which credit reference agencies a lender uses and what each credit reference agency will report, you can maximise your chances of being accepted for credit and ensure that you get yourself the best possible deal.
The first step is to order your free credit report from each of the credit reference agencies. You can do this by clicking on the buttons below:
Next, you need to find out which credit report lenders use. Most lenders tend to keep this a secret! But after some painstaking research we've compiled a list below for the most common lenders.
It's impotant to point out that, as this information is not publicly avilable, this list may not be 100% accurate. If you find any discrepencies (which will surely arise over time) please let us know so we can update the table. Always contact the relevant lender before making an application to confirm the accuracy of the information. whichcreditreport.co.uk accepts no responsibility for the way in which the information provided is used.