2 Credit Stat Reports..... 2 very different information

kjglen24

Hi all

I am now back to square one..... first I thought I knew what I was doing and now I am no idea

So I had my stat report from Experian today and it shows very different information to my Equifax report

Equifax 11 defaults
Experian 3

Equifax 2 CCJ's
Experian 0

How am I meant to clean up my report if I don't know what I need to sort?

Also Experian shows that Lowell?? are searching my credit report 4+ a month..... is that bad?

matttye

That does seem like quite a discrepancy.. have you checked that both CRA's have the right information about you? Address, DOB etc..

And yes... you should ask Lowell to stop doing that immediately and ask the CRA to get rid of the recent searches.

kjglen24

matttye wrote: »

That does seem like quite a discrepancy.. have you checked that both CRA's have the right information about you? Address, DOB etc..

And yes... you should ask Lowell to stop doing that immediately and ask the CRA to get rid of the recent searches.

Yeah they have same address and DOB ect

Very odd

Thanks for advice about Lowell I will contact CRA now, how do I approach Lowell about this though?

matttye

kjglen24 wrote: »

Yeah they have same address and DOB ect

Very odd

Thanks for advice about Lowell I will contact CRA now, how do I approach Lowell about this though?

Some lenders only report to one or two of the CRA's rather than all three, so it's not unusual to find differences.. but all of my lenders report to all three. It's a little surprising that you seem to have found quite a few that only report to one.

Just write to Lowell asking why they're searching your credit file every few months and ask them to stop. Address it to the Data Controller and ask them to stop searching your credit file without your permission.