Experian credit report

PippaGirl_2

I've been cleaning up my credit files. I started with Noddle as it is free, wrote to the creditors who all corrected my files and my default dates are now my BR date and they all say satisfied. Perfect!

I then paid Equifax the £2 for my report and have saved it as a PDF and gone through it all. As with Noddle everything is correct, for dates of defaults and all being satisfied. Perfect!

Today I received my Experian credit report for £2 which I had assumed would also be all cleaned up but things are different on a few things. 3 or 4 things have the correct date for the default as my BR date but they also have a 'satisfied date' which is set at some while after my discharge date so is a lot later than my BR date. Is this a problem or is it only the default date that matters?

Also, one creditor still has me as owing money and I still have a monthly default balance showing. Yet this same creditor is showing that amount as satisfied and correct default on both callcredit (Noddle) and Equifax. Do I have to go through the whole rigmarole of writing to 1st credit limited all over again with copies of my BR etc to get them to correct the experian report, when they have already responded to my previous letters by correcting callcredit and equifax?

Until this Experian report arrived today I thought I as all done and dusted going on the other two!

TIA

PippaGirl_2

I found the answer on another thread about the settled satisfied debts being after the date of discharge, seems it is incorrect but perhaps not worth bothering with getting it corrected as this isn't as important as the default dates being correct.

Question, why is it that two of the three credit reference agencies can have everything correct and then the other CRA (in this case experian) can have so much incorrect? Surely the creditor has told them all the same information?

Experian_company_representative

Hi PippaGirl,

The account information on your Experian report is supplied to us directly from the companies you hold the accounts with.

If any of the information they have supplied is incorrect we can contact the companies on your behalf to request that they update it.

When an account has been included in a Bankruptcy Order the default date should be the same as the date of the bankruptcy or earlier. The satisfaction date should be the same as the discharge date although not all lenders will record satisfaction date.

If you provide the lenders with a copy of your confirmation of discharge they will be able to update their details. Or you [EMAIL="Uksocialsupport@experian.com"]email [/EMAIL]the details to me, we can arrange to contact them.

Regards
Neil