Equifax Vs Experian

Jam555s

Hi there all, i have just had my equifax and experian credit files through

now the payment history on my experian files of my credit payments goes back a rolling 3 years

but my equifax credit payments for the same products appear to go back longer
can anyone tell me if equifax go back to when the account was first open
or do they have a rolling amount of time, say 4 years

thanks

digerati

It depends on when you arrived on Equifax's or Experian's radar. From memory, they usually keep records going back five or seven years before they are expunged (to comply with UK/EU legislation).

The reason for the difference between credit agencies is that not all banking groups and finance companies share data with all of them. However data sharing in general is increasing in the move to reduce identity fraud and credit risks.

Check the master thread on Credit Reports for further details.

Hope this helps! :-)