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Help with the 3 main credit reference agencies
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eportdave
Posts: 46 Forumite
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
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
0
Comments
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Some lenders report to 1, 2 or all 3 CRAs.
Some lenders will use 1, 2 or all 3 CRAs when assessing a new application.0
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