Why the declines?

izools

ChopperST wrote: »

so it looks like I've opened 4 new accounts!

Don't worry, it actually doesn't. If you check your actual credit report you'll see the "Start date" for these accounts remains the same as does all the prior payment history. They don't look like new accounts to prospective lenders at all, it's just the way Equifax' alerting system works.

rabbit_burrow

Thrugelmir wrote: »

Financial institutions do not provide data to all credit reference agencies. So some data will be updated on a need to basis, i.e. you apply for credit through a finance house which uses EQ for referencing checks.

But if that were the case, then surely there wouldn't be any status at all for the last 3 years? Equifax and other CRA's aren't allowed to add data to someone's report without being updated by the creditor, otherwise the all the files would be dangerously wrong for everyone.