credit report is blank??

sugarplum10

just got my credit reports through both noddle and experian.
Experian is completely blank. It shows all my previous addresses but shows no accounts, not even bank accounts- really weird as i have bank accounts with both natwest and co-op and neither are showing, nor are any of the defults i know i have from my past cc and od.
noddle is showing my bank accounts and a settled, but defaulted account with orange fro my old mobile. I settled this last month and this is up to date.
!!!!!! is going on???
both co-op and natwest use experian so i cant understand why they are not on my credit report??

The_Boss

Experian wish they were a bank!

Do you live in a flat? Or is your address fornat held by Experian different to the ones held by your bank/lenders in any way?

sugarplum10

The_Boss wrote: »

Experian wish they were a bank!

Do you live in a flat? Or is your address fornat held by Experian different to the ones held by your bank/lenders in any way?

pahaha what a typo!! I'll correct that now.
no address formats are the same, thats why it is soooooo weird. Co-op told me they credit search via experian when they open an account so there should at least be a search on there from them even if the account is not showing yet but- nothing.

izools

Then there must be an address mismatch.

Speak to Experian / Credit expert about it and they should be able to tweak your address to show the data.

Don't want to sound mean but if you typed the addresses in as accurately on your credit expert application as you have your posts here, then there's a distinct possibility of a typo!

sugarplum10

izools wrote: »

Then there must be an address mismatch.

Speak to Experian / Credit expert about it and they should be able to tweak your address to show the data.

Don't want to sound mean but if you typed the addresses in as accurately on your credit expert application as you have your posts here, then there's a distinct possibility of a typo!

I have checked my addresses and as I have said already all my previous addresses are on there. I can spell my own address. Beside you select the address from a drop down menu based on your postcode. If i had typo'd the post code wrong it wouldnt even show my address- and yes you do sound mean!;)

The_Boss

It is likely the format of the address. I had that exact problem with Experian when I moved. No data at all on my credit report. My address format with Experian was (data changed)

Flat 5
Highway Court
Main Road

...but on all my accounts was

5 Highway Court
12 Main Road

...so no data pulled through as the format caused a mismatch. Experian use the same PAF file as lenders but store the address format differently.

Have you checked your Equifax report? You should to see if data pulls through there.

sugarplum10

I phoned Experian tonight, they have two credit files as the addresses on their format are different (Thanks Boss).
my address format (obviously a pseudo addy) is
6b londale avenue
and they had
Flat b
6 londale avenue
They have tied the two reports and apparently it should pull all my data across overnight.
Thanks for your help, i feel so much better now its all sorted as i was getting really worried about it being blank when i knew their should at least be something on there.
sugarplum x