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Confused by online Equifax Statutory Credit File
gazfocus
Posts: 2,510 Forumite
I am starting to look at getting my credit history sorted and so have begun the process by ordering my 3 statutory credit files. I have ordered paper versions from Experian and Callcredit but when ordering it from Equifax it said I could see my statutory file online for the same £2 fee as the paper version.
Anyway, I took them up on the offer but am utterly confused by the online version. My current Equifax report (now about 9 months old) shows things that the online one doesn't - possibly because I had a CCJ which should have been removed couple of years ago because it was placed on my file in error and a barclaycard debt that they sold but left the default on my file.
But, on the 'Credit Agreements' section, it says I have 4 accounts and 2 Defaults. It then goes on to list my credit agreements and 6 of them have a status of 'Defaulted' - more than the 2 it says in the Summary' section.
Has anyone ever used the online version of the statutory report before and understood it?
Anyway, I took them up on the offer but am utterly confused by the online version. My current Equifax report (now about 9 months old) shows things that the online one doesn't - possibly because I had a CCJ which should have been removed couple of years ago because it was placed on my file in error and a barclaycard debt that they sold but left the default on my file.
But, on the 'Credit Agreements' section, it says I have 4 accounts and 2 Defaults. It then goes on to list my credit agreements and 6 of them have a status of 'Defaulted' - more than the 2 it says in the Summary' section.
Has anyone ever used the online version of the statutory report before and understood it?
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