Which Credit reference is most Accurate?

thewinkshow

looked at my credit score with check my file, which checks the 3 agencies, my score came back as follows:

Callcredit - 901 - excellent (5 stars)
Equifax - 870 - excellent (5 stars
Experian - 553 - poor

how can there be such a difference across the agencies? its like the total end of the spectrum, surely there must be a level of common ground, meaning the scores should be in roughly the same bracket because they are both have access to the same information about me, and use similar tips, yet come back with totally different conclusions.

I know people say credit scores dont matter, but its a measure, not the only or definitive measure, but one the few measures we can use to access how we are doing financially,yet the are in different brackets.

If I apply for credit with a lender who uses equifax I have a better chance of getting accepted? how is that fair, that I would probably get rejected if the lender used experian

which one would you take as correct? never missed any payments, everything on time up to date, 100% record.

Any ideas????

Cleosmum

Have you checked through the Experian one to find out why its so bad?

thewinkshow

yes, there is nothing bad at all, its basically exactly the same as my Exifax and callcredit reports
100% repayment record, all the same cards, mobile phone info is listed exactly the same
just doesnt make sense to me

anyone else had this happen to them? or are most people on heres reports roughly within the same region across the agencies?

Is it worth asking them about this?

Cleosmum

How about making a request under Section 7 of the DPA for a copy of ALL the data they hold on you?

thewinkshow

hello

do you think that is/should be necessary for me to do?
surely this is not a normal thing to have to do in order to provide clarity on your credit reports, should they automatically not be roughly in sinc with each other considering they both have the same info on them?

I can assure you there is nothing on my experian file that is not on my equifax file, and anyway all the info held on either report is positive, i dont have any black marks for anything whatsoever.

has anyone ever had such a big discrepancy before? I can accept slight variance between the agencies, but this seems silly, one on hand my credit is 5 stars and excellent better than 84 per cent of people (according to them)
then on the other hand I have a poor credit history

unless they can provide a specific reason for the difference then this is very unfair
what if a market leading product was with a lender who uses experian, I would be rejected, yet if they uses equifax I would more likely be accepted

please note I actually think my credit history is immaculate regardless of the experian report

Any ideas for this discrepancy, has this happened before?