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    • eportdave
    • By eportdave 16th Oct 16, 1:53 AM
    • 46Posts
    • 1Thanks
    Help with the 3 main credit reference agencies
    • #1
    • 16th Oct 16, 1:53 AM
    Help with the 3 main credit reference agencies 16th Oct 16 at 1:53 AM
    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
Page 1
    • zx81
    • By zx81 16th Oct 16, 6:17 AM
    • 12,449 Posts
    • 12,621 Thanks
    • #2
    • 16th Oct 16, 6:17 AM
    • #2
    • 16th Oct 16, 6:17 AM
    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.
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