Experian Not Updated in 4 YEARS

pixiepeep

Suddenly got turned down for a mortgage despite passing affordability...

Just been on experian for the first time in a long while to find it hasn't been updated in 4 years - has incorrect addresses, no recent credit information (including 2 paid off credit cards and a paid off loan).

Any idea why this might be? We've updated the info, but obviously can't add the credit cards and loan (all through HSBC which should show up).

Thrugelmir

Have you been registering on the electoral roll every year?

pixiepeep

Thrugelmir wrote: »

Have you been registering on the electoral roll every year?

Yup. Definitely voted at every opportunity too.

Experian_company_representative

Hi Pixiepeep,

The CreditExpert membership works by showing your credit report based on the information entered in your profile and refreshes the first time you log in each day.

It sounds like the report you saw last night is based on information at your previous address only.
I understand you have updated you address now and when you log in today you should see all you up to date information - lenders will have already been seeing this during credit checks.

If when logging in today you still don't see your up to date information drop me an email on uksocialsupport@experian.com along with your details (name,dob, ref and address) and what accounts are missing please. I can then look in to this for you.

Regards Joe

pixiepeep

Experian_company_representative wrote: »

Hi Pixiepeep,

The CreditExpert membership works by showing your credit report based on the information entered in your profile and refreshes the first time you log in each day.

It sounds like the report you saw last night is based on information at your previous address only.
I understand you have updated you address now and when you log in today you should see all you up to date information - lenders will have already been seeing this during credit checks.

If when logging in today you still don't see your up to date information drop me an email on uksocialsupport@experian.com along with your details (name,dob, ref and address) and what accounts are missing please. I can then look in to this for you.

Regards Joe

Thanks for the reply. It has indeed updated this morning, back to the expected near perfect credit score. Now just to figure out why on earth we were turned down for an easily affordable mortgage off the back of the Experian information.

Is there any way the bank would have seen the lower score? We don't understand why they've said no due to the credit report.

[Deleted User]

No banks ever see your score. It's purely for you, as it has no meaning for credit purposes.