Experian inaccurate?

escoman990

Trying to sort out my credit history and read that it's worth checking all three major agencies - Equifax, Experian and Noodle.

I've only managed to check with Equifax and Experian. Experian seems to be missing two defaults from a few years ago and one open credit arrangement (current account).

Is Experian just inaccurate or am I missing something here? Is this something I should try and sort out or leave it as is? If they're not showing then it's probably a good thing?

DCFC79

Are the missing defaults on Equifax and CC ?

Not all lenders will report to all 3 credit ref agencies, some only 2 and some maybe just 1. There is 1 agency that the most popular (in terms of used by lenders), might be Experian but not sure.

Up to you whether you sort it out. If they aren't showing then yes maybe a good thing but as I say the defaults could be reported on the other 2.

National_Debtline

Hello there,

Not all creditors report to all credit reference agencies, so the fact that a few creditors are missing from Experian could simply be down to those particualr creditors choosing not to report to them.

As you've already considered, having fewer creditors showing on your file may actually be beneficial.

We've recently updated the credit reference agency information on our website, you can find it here.

Edit: Beaten to it by DCFC79!

Very best wishes,

David @ National Debtline.

escoman990

Thanks for the responses. The defaults do show up with Equifax, just not with Experian. I guess it's in my best interest to just leave it as is!

Thanks again!