Two different credit ratings?

Experian_company_representative

Sounds like the mortgage application is being processed using your excellent Experian report. Only mortgage (and other credit) application search footprints can affect your credit score so just make sure, at the end of the process, that they have only registered one of these. The other searches don't count and it's not unusual to see a few during a mortgage application as they conduct various checks. Good luck.

James

Thrugelmir

Experian_company_representative wrote: »

Sounds like the mortgage application is being processed using your excellent Experian report.

Did you read the post fully?

Equifax: Score of 404. Credit rating "fair"

- shows 4 missed payments

Worthless perhaps at this point in time?

The_Boss

Experian_company_representative wrote: »

Sounds like the mortgage application is being processed using your excellent Experian report. Only mortgage (and other credit) application search footprints can affect your credit score so just make sure, at the end of the process, that they have only registered one of these. The other searches don't count and it's not unusual to see a few during a mortgage application as they conduct various checks. Good luck.

James

An Experian representative claiming the OP has an 'excellent' report...because Experian are not reporting data correctly.

Astonishing.

Thrugelmir

The_Boss wrote: »

because Experian are not reporting data correctly.

The objective is so obvious.

samtoby

Depends who companies report to and search on = there is a really good thread with all this information on somewhere.....

kilby_007

The_Boss wrote: »

An Experian representative claiming the OP has an 'excellent' report...because Experian are not reporting data correctly.

Astonishing.

Actually to be fair to Experian I think it's down to the individual company to report credit info to each credit reference agency isn't it? Because my H&M credit file doesn't show on Experian or Noddle, only on Equifax. Also, Equifax represented this information wrongly, so I can't say I'm particularly impressed with any of my reports to date.

matttye

Thrugelmir wrote: »

Did you read the post fully?



Worthless perhaps at this point in time?

Did you read the post fully?

His EQUIFAX report shows 4 missed payment, not his Experian one.

JohalaReewi

kilby_007 wrote: »

Hi guys, I have signed up to both experian and equifax to check my credit score and got two very different results:

Every time you apply for credit, the potential lender will calculate a brand new credit score for you. So you don't have one (or two) credit scores, you have a brand new one each time.

Secondly, the scores from Experian and Equifax are not really credit scores because you are not applying for credit. They are just a numerical representation of the data Experian (or Equifax) hold about you.