Equifax credit check question

caverncity

I have just done a equifax credit and points check online and noticed on the monthly payments list where it normally starts "SSS0000000000000"
There are a couple of letters I am not sure about.

They are S, N, U, and Q

The Q from Orange has queried on the list which was about 6 months ago.. Does anyone know why they would do this and also the meaning of the other letters.



What annoyed me was I had a single score of 525 and family score 532.
Loads of green lights but on credit it was warning and fair due to a one months arrears back in 1996 which I dont understand as it was direct debit.
Plus as it was in 1996 surely it should have been removed after 6 years.


thanks


Mike

Debt_Free_Chick

I thought that full details of what each letter means were included in the online report? Mine's expired, so I can't check. Can you log back in and take a closer look?

Otherwise, suggest you contact Equifax.

Don't worry too much about 1 month's arrears as this has little effect on your overall record, especially if there are other satisfactory accounts. Everyone is late now & then

It could still be showing as a late payment if the account is still open - again, check with Equifax.

Sorry not to be able to answer more directly

jat100

According to my Equifax report:

S = Settled or satisfied account
N = Facility not used
U = Unclassified - No payment due or recently opened account
Q = Query

I hope that helps.

caverncity

jat100 wrote:

According to my Equifax report:

S = Settled or satisfied account
N = Facility not used
U = Unclassified - No payment due or recently opened account
Q = Query

I hope that helps.

cheers for that

JasonW_2

Taken from the credit expert site. (experian)

(Resized and reduced quality to make downloads quicker, hope its readable.)



HTH,
JW