Hugely different credit files with diff. CRAs

welf_man

Okay, I know my credit history isn't great, but it's not too bad apart from the huge argument I had with A+L, which led to several red 3s on my old current account with them, from 9 - 12 months ago.

I have 4 credit cards, a loan, a mobile phone contract and several catalogue accounts which all show up on Equifax but NONE on Experian. The one thing that does show on Experian is my old joint mortgage from before my divorce, but they have added a Notice of Correction stating that I have a Court Order indicating no further liability for this. (I know the bank won't see it like that, but that's another story)!

I am trying to get some of the credit card debt on to lower or 0 percent interest, and have applied for a couple of cards I know search Experian but been rejected. As well as showing me with no current credit history (though there are a dozen settled accounts) Experian has me as not on the Electoral Roll - although I am, and Equifax confirms it!

I'm sorting the Electoral Roll issue, but is there anything I can do about the lack of accounts on Experian? I think it's why I can't get a card offer!

Mel.

Innocent_Guy

What are you acrual scores?

YorkshireBoy

welf_man,

Are you looking at reports obtained directly from the CRA's or are you viewing a single/triple agency 'checkmyfile' credit report?

welf_man

YorkshireBoy - direct from the agencies; Innocent_Guy - do you mean the CRA credit scores? No iea - I don't bother with them.

Thanks for the responses.

Mel.