Experian Confusion

arcon5

Just signed up for free trial, it shows 5 'accounts' - a couple of bank accounts, and couple of other things ---- but it doesn't show historic accounts, just those within the last year or so.

I have many credit accounts and bank accounts included in bankruptcy Jan 2013 marked as satisfied with Noddle. These should show - the BR does. Being HSBC, Halifax, couple of payday lenders, loans & overdrafts etc.

Why aren't these showing

They also seem to give me a credit score within 900 range, i'm shocked they've rated that - they are the only ones that would considering my history over last 3 years in particular :0

Hazzinho

Different lenders can report to CRA's, what appears on one might not on another. Ignore the scores they mean nothing and lenders don't use them.

Experian_company_representative

Hi Arcon5,

As Hassinho has mentioned each credit reference agency may hold different information, depending on what companies they have agreements with.

However it would also be worth checking that all of your previous address details have been entered in your CreditExpert profile. Your CreditExpert report will retrieve all the information in your name at the addresses supplied, so if an address is missing from the profile then information at that address would not be retrieved.

If you click on the "update my details" link once you have logged in to your membership you will be able to add your previous address details.

Kind Regards
Neil

arcon5

Thanks Experian rep - i've added 3 previous address' now.

I'll see what happens now as I know HSBC for example report to Experian, but it's not showing.

I'm confused though, why after verifying my identity wouldn't it just show me by default everything a lender sees? Not just things based on my input info