Experian and Middle Names

Becsie

Dear all


I have paid £2 to view my Experian credit report and I am quite horrified by how wrong it is. There are 5 different versions of my address, each one slightly different and one with a random road name in it that has nothing to do with my address. Also none of my recent credit is showing. I have a 10 year mortgage, 8 year credit card and took a car finance agreement in March 2016 - none of this is showing. All that is showing are 2 credit cards that were both settled and closed (with no concerns) in 2011.


Also I have realised that certain things I've applied for used my middle name or initial and other things did not. Would this cause a problem? I have an extremely unusual name and am certain I am the only person in the UK with this name. If I have just entered my first name and surname when requesting the £2 report would anything with my middle name or initial have been missed?


Thank you

Experian_company_representative

Hi Becsie.

This sounds like it may be an issue with the format of your address rather than your name.

Lenders can often record information under slightly different versions of and address. If the version of the address used is significantly different to the address on your report application it can prevent the information from being retrieved on your report.

Information being recorded with or without a middle name would not stop information being retrieved on your report, as long as you haven't used a different middle name on an application.

I can take a look at your application for you to see why your recent information has not appeared. If you email your details (name, date of birth, address and report reference number if you have this.) to uksocialsupport@experian.com

For more details on what can cause information to be missing from your report take a look at my blog available here.

Kind Regards Neil