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    • Danny68
    • By Danny68 10th Jul 17, 4:08 PM
    • 7Posts
    • 0Thanks
    Danny68
    Some Advice Please.
    • #1
    • 10th Jul 17, 4:08 PM
    Some Advice Please. 10th Jul 17 at 4:08 PM


    Hi,

    Whilst checking my Equifax credit file through Clearscore. I found it was missing my address from 2006-2010.

    FYI. My address between these years is on my Experian and Callcredit reports.

    I know lenders usually just look for the last 6 years anyway, but it only shows me on the electoral roll from 2014, (on callcredit from 2013) I don't think i was on the roll from 2010-2013...so no problem there. (my fault for not applying at the time)
    Will that missing period worried future lenders? ...I know most lenders use Experian and/or Equifax. .But some use Equifax exclusively..what should I do....should I leave it.as it is? get it updated ? ( If so, how do I do this?)

    What's your advice.

    Thanks in advance.

    Danny
Page 1
    • zx81
    • By zx81 10th Jul 17, 4:14 PM
    • 12,519 Posts
    • 12,687 Thanks
    zx81
    • #2
    • 10th Jul 17, 4:14 PM
    • #2
    • 10th Jul 17, 4:14 PM
    They won't see it, so don't worry.

    They can only see the past 6 years.
    • Danny68
    • By Danny68 10th Jul 17, 4:35 PM
    • 7 Posts
    • 0 Thanks
    Danny68
    • #3
    • 10th Jul 17, 4:35 PM
    • #3
    • 10th Jul 17, 4:35 PM
    Aha, thank you i never knew.that .i had always thought they could see most of what we see on our I records (not all of course) , but just chose to use the last 6 years. thanks again...

    If it's not to much bother to ask, can you tell me what else they can't see?.. i know soft searches etc, are generally unseen.

    Thanks
    • takman
    • By takman 10th Jul 17, 4:42 PM
    • 2,402 Posts
    • 2,015 Thanks
    takman
    • #4
    • 10th Jul 17, 4:42 PM
    • #4
    • 10th Jul 17, 4:42 PM
    Aha, thank you i never knew.that .i had always thought they could see most of what we see on our I records (not all of course) , but just chose to use the last 6 years. thanks again...

    If it's not to much bother to ask, can you tell me what else they can't see?.. i know soft searches etc, are generally unseen.

    Thanks
    Originally posted by Danny68
    Lenders are also unable to see the names of the companies that provide you with credit.
    • Danny68
    • By Danny68 10th Jul 17, 7:32 PM
    • 7 Posts
    • 0 Thanks
    Danny68
    • #5
    • 10th Jul 17, 7:32 PM
    • #5
    • 10th Jul 17, 7:32 PM
    Really! ...wow, i thought they knew ..i thought it showed that info with amount owed and history etc. Thanks never realised that. surprising!
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