Equifax credit check question

caverncity · 23 February 2005 at 11:54PM

I have just done a equifax credit and points check online and noticed on the monthly payments list where it normally starts "SSS0000000000000"
There are a couple of letters I am not sure about.

They are S, N, U, and Q

The Q from Orange has queried on the list which was about 6 months ago.. Does anyone know why they would do this and also the meaning of the other letters.

What annoyed me was I had a single score of 525 and family score 532.
Loads of green lights but on credit it was warning and fair due to a one months arrears back in 1996 which I dont understand as it was direct debit.
Plus as it was in 1996 surely it should have been removed after 6 years.

thanks

Mike

Debt_Free_Chick · 24 February 2005 at 1:21AM

I thought that full details of what each letter means were included in the online report? Mine's expired, so I can't check. Can you log back in and take a closer look?

Otherwise, suggest you contact Equifax.

Don't worry too much about 1 month's arrears as this has little effect on your overall record, especially if there are other satisfactory accounts. Everyone is late now & then

It could still be showing as a late payment if the account is still open - again, check with Equifax.

Sorry not to be able to answer more directly

jat100 · 24 February 2005 at 3:22AM

According to my Equifax report:

S = Settled or satisfied account
N = Facility not used
U = Unclassified - No payment due or recently opened account
Q = Query

I hope that helps.

caverncity · 25 February 2005 at 3:35AM

jat100 wrote:

According to my Equifax report:

S = Settled or satisfied account
N = Facility not used
U = Unclassified - No payment due or recently opened account
Q = Query

I hope that helps.

cheers for that

JasonW_2 · 25 February 2005 at 11:16AM

Taken from the credit expert site. (experian)

(Resized and reduced quality to make downloads quicker, hope its readable.)

HTH,
JW

Equifax credit check question

Comments

Categories

Get our FREE Weekly email full of deals & guides - and it’s spam-free