Experian credit reports

I've been signed up with Experian since new year so I can keep my eye on my credit score to see how it's doing.

It hasn't changed at all since January. The same figure for "amount of outstanding debt", same figure for "amount of available credit". All exactly the same, nothing at all has changed in three months. This is blatantly nonsense.

Do they ever update their records?

Replies

  • jessie4109jessie4109 Forumite
    201 Posts
    experian will only say they report when they get info from the companies who you hold accounts with. it may be worth finding out from the companies you have accounts with when they update their records and past dates of these updates, then ask experian why they are not updating records.
    Been there, done that and Ebay'd the t shirt. :beer:
  • The_BossThe_Boss Forumite
    5.8K Posts
    Part of the Furniture 1,000 Posts Combo Breaker
    ✭✭✭✭
    Their credit score means diddly squat so don't worry about it not changing. It's the report data that's the important bit.
  • KnackeredKnackered Forumite
    243 Posts
    PPI Party Pooper
    It's the report data that's the problem, it's just hopelessly out of date. Apparently, according to the credit account information, it was updated 10th March but I that's nonsense.
  • Experian_company_representativeExperian_company_representative Organisation Representatives - Private Messages may not be monitored
    2.1K Posts
    ✭✭✭✭
    Each live credit account has a 'details updated' date so you can see exactly when we last added new data from each lender. Are you saying an account has been updated but there's something on there that should have changed but hasn't? If you want to report a specific issue along these lines then feel free to do this using our [FONT=&quot]online query form[/FONT]. All live accounts are updated once a month, once the new data has passed through quality control.

    James Jones
    Official Company Representative
    I am an official company representative of Experian. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to [email protected] This does NOT imply any form of approval of my company or its products by MSE"

    Posts by James Jones, Neil Stone, Stuart Storey & Joe Standen
  • emsjune78emsjune78 Forumite
    569 Posts
    PPI Party Pooper
    Hi James,

    I've been regularly checking Credit Expert lately as I wanted to do a balance transfer to a new card which is all in place now but logging in tonight my mortgage account seems to have disappeared! Obviously this has had a knock on effect to my score which I'm not too concerned about as I won't be applying for credit for the foreseeable.

    I think this must have something to do with my mortgage being with Halifax but moving over to LLoyds Banking Group systems and a change of roll number I believe all customers have had - can you please advise whether the system will catch up and start re-showing the account as I've had it for six years without any issues so I wouldn't like it to reset from scratch or, worse, not show at all. TIA
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