checkmyfile

d_rok69

I have checked my credit on check my file which pulls info from experian eqifax and credit call. I also subscribed to experian site and they both show totally different info my equifax score is 603 but check my file says its 408

Has anyone else had this problem?

rizla_king

Yes as checkmyfile is a waste of money as usually inaccurate, out of date, useless if you complain and doesnt even show any credit account from experian.

solentsusie

You are better off just getting your £2 statutory report from Experian, Equifax and Callcredit.

As I am sure many people on here will happily tell you, the 'scores' these agencies give you are meaningless. Any lender will look at the data held on your file and make an assessment on this, not on a 'number' made up by these agencies to get you to buy into their products.

If you have subscribed to anything I would cancel it as soon as you can.

But from reading posts on here, apparently the 'scores' assigned to you can go up and down depending on a number of factors, such as applying for a new credit card.

Malmo

d_rok69 wrote: »

I have checked my credit on check my file which pulls info from experian eqifax and credit call. I also subscribed to experian site and they both show totally different info my equifax score is 603 but check my file says its 408

Has anyone else had this problem?

Scores generated by each agency are irrelevant as UK individuals do not have a universal / central credit score. These scores are not visible to lenders/services, only to you and the agency generating the score. Therefore any comparison of the different scores is meaningless.

If you need access to your reports, just obtain the statutory report from each agency, which costs £2. You do not need the score as it is immaterial.

Experian Statutory Report

Equifax Statutory Report

Callcredit Statutory Report

YorkshireBoy

Experian (and presumably also Equifax and CallCredit) do build scorecards for over 150 UK financial institutions, but these scorecards are not the same ones they sell Joe Public.

One the subject of checkmyfile, presumably if the OP had read their T&Cs* before signing up they wouldn't have parted with wasted hard-earned cash? There's a lesson for all of us there.


* Where they would have seen the limitations of the service checkmyfile were able to provide.

d_rok69

Thanks for the replies guys. Check my file is showing 11 defaulted records (yeah my records in a big mess) but experian are showing 6. I am trying my best to improve my report so that I could try and get a mortgage

solentsusie

d_rok69 wrote: »

Thanks for the replies guys. Check my file is showing 11 defaulted records (yeah my records in a big mess) but experian are showing 6. I am trying my best to improve my report so that I could try and get a mortgage

As not all lenders report to all agencies it is totally probable that you will have different defaults registered with different agencies.

For example, Experian for me has all of my three defaults, Equifax has one and Callcredit/Noddle don't have any.

Take the advice given, give up check my file and just get your individual reports. You will then really be able to see who registers what where.

Good luck sorting yourself out. It takes a while but you will get there in the end. There are a lot of helpful people on here who will give you some good advice, you might not like some of it as it can be harsh at times, but most of it is meant with good intentions. Although there are also a few pompous idiots that it is wise to ignore.