Credit File & Ratings

A question about : Credit Reference Agencies

Below is a list of major financial companies which provide bank accounts, credit cards, mobile phone contracts, loans, home shopping catalogues, mortgages and motor finance which I will update with which credit reference agency (CRA) they use to search and report to as people post it up.

PLEASE HELP KEEP THIS THREAD UP TO DATE BY POSTING UP ANY INFORMATION YOU HAVE - T H A N K S

A question about : How to obtain credit reports

For a full article on this, including how to get free reports, and the pros and cons of doing so

MSE Credit Report Guide

If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.

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Credit Reference Agencies (CRAs) have a statutory obligation to provide you with your credit file and charge no more than Ј2. These reports are paper based and will be posted to you.

A question about : Need to rebuild a bad credit history? New ‘last resort’ option.

1 April 2008

A question about : Barclay's Partner Finance

Hi Guys,

First post for me ,

A question about : improving credit rating

Hi,

I'm new to the forums as I am living back home with parents and my girlfriend also lives here with me. We are saving for a deposit for a house and her credit is fine she has no missed payments etc.

A question about : Lloyds Bank

So I have this lloyds cash account I opened back in 2007, For years they would not upgrade my cash account to a current account so in 2012 I switched to Nationwide to get a proper Current account. However, I made a crucial mistake by not closing my Loyds account immediately.

A question about : hdd-price comparison-barclaycard

Does anyone know where this is coming from in my credit report?

HDD-PRICE COMPARISON-BARCLAYCARD , a Credit Broker company, has made an inquiry against your credit report

A question about : Overdraft and Renting

I posted the same question I think on the wrong part of the forum -

My brother and I have submitted an application to rent a flat. He's fine with money and no overdraft however lately I am always in mine even a little bit after pay day. I will be getting some money from my parents in two months that would clear it. My credit score is still 'good' will this have an effect on the application for renting?

The estate agent also needs a copy of bank statements, mine will be minus which I'm worried about.