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    • Gaz84
    • By Gaz84 18th May 17, 7:50 PM
    • 14Posts
    • 2Thanks
    Quick one, how diferent is the data held by the 3 agencies?
    • #1
    • 18th May 17, 7:50 PM
    Quick one, how diferent is the data held by the 3 agencies? 18th May 17 at 7:50 PM
    Just a real quick one, I have checked Call Credit and Equifax to have a look at my history after years of burying my head in the sand. Its surprisingly clear. No CCJs and defaults ready to fall off in the next 12 months. That's it. Now how different would the remaining data be on experian? I have applied for the £2 check but it takes a couple of days, as opposed to te instant details the other two gave me.

    Last edited by Gaz84; 18-05-2017 at 7:53 PM.
Page 1
    • zx81
    • By zx81 18th May 17, 8:26 PM
    • 12,559 Posts
    • 12,736 Thanks
    • #2
    • 18th May 17, 8:26 PM
    • #2
    • 18th May 17, 8:26 PM
    They are as different as the lenders reporting criteria.

    In other words, you'll only find out by checking.
    • nikongirl
    • By nikongirl 18th May 17, 8:49 PM
    • 140 Posts
    • 156 Thanks
    • #3
    • 18th May 17, 8:49 PM
    • #3
    • 18th May 17, 8:49 PM
    You can get your Experian credit report free here:
    Debt at LBM 3/14: £27661 £11878 | £500 Overdraft | £2275 Council Tax | £910 CCJ | £800 Overdraft | £1800 Marbles | £7580 5283 Egg | £14735 6155 Family
    Quidco Earnings 11/06-03/15: £330
    • Gaz84
    • By Gaz84 18th May 17, 11:50 PM
    • 14 Posts
    • 2 Thanks
    • #4
    • 18th May 17, 11:50 PM
    • #4
    • 18th May 17, 11:50 PM
    Thanks dude, I just checked it and thankfully nothing nasty. No CCJ's or Cifas markers, and two defaults that are due to drop off this year. Its taken neary 6 years of responsiblness and commitment but I'm nearly there.... .
    • Ben8282
    • By Ben8282 19th May 17, 1:38 AM
    • 1,944 Posts
    • 848 Thanks
    • #5
    • 19th May 17, 1:38 AM
    • #5
    • 19th May 17, 1:38 AM
    Unfortunately the different CRA's do hold different information which can create different pictures of an individuals financial affairs.
    For example, my old and almost repaid mortgage, indicative of a very substantial equity, is reported only to Experian. Experian score me 999 and I appear to be Mr Perfect who can do no wrong in their eyes. This 999 credit score survived a hard search, the appearance of a new credit card account with an almost 10k limit and the appearance of a balance on that account. Yes really. 999 unchanged all the way.
    Equifax however is a different story. My mortgage is not reported to them at all, although my electricity account, which is not reported to Experian, is reported to them. Equifax do not give me their maximum score; in fact I barely scrape through into the excellent category.
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