Bad Credit Agency

Credit reference agencies and mortgage application. UK?

I have obtained my credit file from Experian which is pretty good, no defaults, arrears, ccj's etc, I've also had the one from equifax which is not good at all and also links me to an associate with bad credit. I applied for a mortgage online with a building society who I have been informed uses only Experian, I have the AIP and have now submitted a full application which has also been approved subject to valuation and electronic identity check. Will they use equifax as well as experian for the identity check, is this how it's done? They have also asked for my ni number do they use it and if so what for? I just found the following information attached to my application so I think it may well answer my question. The building society use Experian and in the info below it says agency not agencies, so fingers crossed. We will attempt to electronically verify your identity and address for Anti Money Laundering purposes, through a credit reference agency on submission of a full application only. If we are unable to obtain this information we will ask you to provide us with identity and address verification. Peter P You are exactly right! I do have something to hide, as I stated in the question there is an asscociate linked to me on my eqifax report with very bad credit and this would more than likely affect my application. Thanks for you're intelligent reply!

Public Comments

1. identity check will not be with a credit agency. If you have been accepted for their mortgage it is done.
2. No, not usually, most companies only use one or the other, so you should be ok
3. why are you good on one and not the other,methinks you have something to hide.
4. Most mortgage lenders use one or the other, not both. The majority do use Experian as it is more reliable and as long as this is clear then you should be ok. When electronically checking your id they will search to see if you are on the voters role at your current address, if you aren't then you will have to provide them with a copy of your passport/driving license and a utility bill dated within the last 3 months. They don't actually use your national insurance number for anything other than to prove that you are a UK resident and that you are who you say you are. All you need to do is (if you have already paid the Val fee) is wait for your valuation report to come back (hopefully ok). Hope this helps.
5. Don't worry at all. They will only use the one credit reference agency!! If there was a problem (you might want to do this anyway) then as long as you have no financial association anymore with the person who has the bad credit then you can apply to Equifax to be disassociaed with that person and the link from you to them will be removed!! Easy!