Massive score difference between Equifax & Experian reports

Chris1984_2

Running though my reports I have a couple of defaults with “Default Dates” and then “Account Updated to” on CreditExpert or “Date Updated” on Equifax.

Am I to take the 6 years drop off from the default date or the updated dates?

Thanks,

BusyBee1978

This is so helpful, thank you! So glad the banks are effectively disregarding the scores that I thought they were judging us by.

I had to correct the information Experian held on me because they had an incorrect postcode for me in one section only, that then meant they believed I was not on the electoral roll (I've been on for 11 years) -- this meant I had one negative factor, and was turned down for a CC at the building society I've used for 13 years.

My score went up then down again within a week although I now have no negative factors on my report so hopefully when I reapply I ought to be more successful. If not I'll be shaking my fist in sheer frustration!

IainHL

Chris1984 wrote: »

Running though my reports I have a couple of defaults with “Default Dates” and then “Account Updated to” on CreditExpert or “Date Updated” on Equifax.

Am I to take the 6 years drop off from the default date or the updated dates?

Thanks,

Rest assured it is from the default date. It doesn't matter that they are continually updating your current position on a regular basis. The only way that matters to you is, if you are making payments, the reducing balance outstanding will be apparent.

Chris1984_2

That’s good to hear!

Although it appears a default that should have expired on 22nd January is still showing……!!!!!!

IainHL

Chris1984 wrote: »

That’s good to hear!

Although it appears a default that should have expired on 22nd January is still showing……!!!!!!

Does it actually say "date of default 22/01/2008"? Are there any other dates mentioned, such as "arrangement to pay"? Is this on Experian or Equifax? Certainly all mine on Experian dropped off as expected as 6 years passed.