One of my clients thought they had perfect credit and indeed we had arranged numerous mortgages but they got declined out of the blue.
Turned out to be a mistake by NPower. Once it was all sorted the mortgage rate originally chosen had risen and will now cost them £4K more over a 5 year period.
More lenders report to Experian and Equifax however we did have a client with a CCJ that only showed on Call Credit!
Use Check My File to get access to all 3:- www.checkmyfile.co.uk