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Help with the 3 main credit reference agencies

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eportdave
eportdave Posts: 46 Forumite
in Credit file & ratings
Hi.
I am having a little trouble understanding the 3 main credit agencies, Experian, Equifax and Noodle.
On Experian there is no debts on there. Just shows that my score is low
On Equifax it shows 2 debts. i am currently paying these 2 in which i am in a payment plan with, Both are defaults from a few years ago.
Noddle only shows my CCJ which i am also in a payment plan with.

Why is this the case? Why isnt my CCJ on all 3 agencies? why are the 2 default debts only on Equifax?

Also if i was to apply for a loan for example, would the lender only use 1 referance agentcy or use 2/3?

Thanks all :D

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