We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

experian mess up?

hi,

checked my file today and it appears there is a mess up. I dont have any entries from bank of scotland, they used to be on there. any body else missing all this, so i know if its just me or BOS' end?

its reduced my outstanding debt by like £6000 ( overdraft, loan and cc).

so if this was a !!!! up by the BOS would that mean this is the right time to apply for a CC. :p

Comments

  • stephane_2
    stephane_2 Posts: 3,076 Forumite
    it could be normal, I have had accounts on Experian before for RBS which are no longer on my file but are now reported on Equifax.
  • alo6 wrote: »
    hi,

    checked my file today and it appears there is a mess up. I dont have any entries from bank of scotland, they used to be on there. any body else missing all this, so i know if its just me or BOS' end?

    its reduced my outstanding debt by like £6000 ( overdraft, loan and cc).

    so if this was a !!!! up by the BOS would that mean this is the right time to apply for a CC. :p

    If you have changes address and not included your previous addresses correctly this will not show the correct data.

    However when the lender searches your report, they will search ALL linked address and it will reveal the missing information
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!

    Official SOS Club number 001 - Dry until 01.07.10
  • alo6
    alo6 Posts: 185 Forumite
    Part of the Furniture Combo Breaker
    If you have changes address and not included your previous addresses correctly this will not show the correct data.

    However when the lender searches your report, they will search ALL linked address and it will reveal the missing information


    I use creditexpert, the one i pay £6 or summit like that. so its the same input everytime i order. the bos has changed since i last ordered two days ago.
  • PNPSUKNET
    PNPSUKNET Posts: 4,265 Forumite
    it might be ghosted for an update due to an error
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245K Work, Benefits & Business
  • 600.6K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.