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Experian and Equifax discrepancy - help!
Westan
Posts: 23 Forumite
Hi,
Tried to search for the answers to this but couldnt find anything.
Ended bankruptcy last week. Today am for the first time cleaning up my credit files. I have applied for a credit card (Vanquis) and been successful with this. However here is the problem.....
Experian is showing a credit score of 927 (good) and I was very pleasantly surprised with this! It shows none of the companies I owed money to before the bankruptcy, one positive factor and two negative factors, my age and also lack of store card (which I will sort today also).
Equifax however is showing all the old companies (mortgages etc) and is showing these as being "defaulted".
Should I write to these companies to ask for this to be updated with Equifax? Why aren't they updated as they have been with Experian? Any useful hints/tips for moving forward?
Thanks for any responses!
Tried to search for the answers to this but couldnt find anything.
Ended bankruptcy last week. Today am for the first time cleaning up my credit files. I have applied for a credit card (Vanquis) and been successful with this. However here is the problem.....
Experian is showing a credit score of 927 (good) and I was very pleasantly surprised with this! It shows none of the companies I owed money to before the bankruptcy, one positive factor and two negative factors, my age and also lack of store card (which I will sort today also).
Equifax however is showing all the old companies (mortgages etc) and is showing these as being "defaulted".
Should I write to these companies to ask for this to be updated with Equifax? Why aren't they updated as they have been with Experian? Any useful hints/tips for moving forward?
Thanks for any responses!
0
Comments
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Read this thread
It can be quite an ordeal, some companies update it no fuss, others take ages and a lot of effort.0
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