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Lenders Who Only Use Experian


mystic_bertie
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I am needing to apply for a mortgage asap.

Im a LTD company self employed contractor.

There is a wrong default on my Equifax and Callcredit reports.

Experian is absolutely fine.

I have only been contracting for 16 months and so the likes of Halifax wont touch me.

 

I have written to the FOS to get the details corrected but this may take time.

 

Can you tell me what lenders only use Experian or suggest who i could check with. The brokers dont have this information.

 

There is an article on MSE but its incorrect, it says Nationwide only use Experian, i called them and they said they use all 3 companies for credit checks.

 

Many thanks

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major lenders check all records and require multiple years of solid and good history.

 

As you want a mortgage that will be in the tens of thousands or even hundreds, youll find they all pretty much use all 3 agencies. Otherwise theyd be lending irresponsibly.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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major lenders check all records and require multiple years of solid and good history.

 

As you want a mortgage that will be in the tens of thousands or even hundreds, youll find they all pretty much use all 3 agencies. Otherwise theyd be lending irresponsibly.

 

Many thanks for the reply. From what i have read so far they do use multiple credit reference agencies. I was just hoping i might find one who only uses experian.

 

 

I contacted a broker called The Mortgage Brain. The woman says my situation makes it tricky because i only have 16 months as a contractor and my earnings are not high enough for some lenders. She has suggested trying Nationwide and then hope that the default is not an issue.

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