Equifax Credit Score

Hi all,

We've been applying for a mortgage over the past few months and I've been sorting out my credit reports over at Equifax and Experian.

There was one default which I have settled and this show as settled on both agencies.

There is another default which was an error, duplicated from the above settled one.

I have finally managed to get O2 to update Experian and Equifax to remove the duplicate and my Experian credit has gone to 999 'Excellent', however my Equifax credit score has stayed at 'Fair.'

The annoying thing is on the statutory report the duplicate default is gone but when you click into the credit score and scroll down to factors affecting your credit score there is a 'Linked address default' which when you click it, it shows the duplicated default; almost as if it hasn't been removed.

I'm a bit annoyed at keep paying £5.95 for a credit score that doesn't appear to be improving and that this incorrect default still appears on their credit score section.

As I said, it doesn't appear on the credit report section; do you think I am ok to ignore it?

Thanks.