Missing information on MSE Creditclub

binaryuniverse

I've ordered my statutory £2 report from Experian (tend to do that once or twice a year from both Experian and Equifax). I've noticed that the CreditClub report is missing quite a few accounts that my Experian report has. Which I would expect them to be the same, since it's getting the data from the same provider.

For example:
A Sygma bank card closed almost 6 years ago. Should drop off the file in the next few months. Experian report has it. Credit Club does not.

Barclaycard. Shows on the Experian report. Not on CreditClub.

A LLoyds current account. Again. On Experian. Not CreditClub.

Orange phone contract from a few years ago. Not on CreditClub.

2 NPower account. Nope. Not on Creditclub either.


Anyone at MSE have an idea why this might be?

m_c

There's some ongoing problems with Experian linking people to accounts. Best thing is to send MSE/Experian an email (links are buried somewhere in the Credit Club - I can't remember exactly where..), telling them.
They might not be able to fix it immediately, but at least letting them know you aren't being shown all your accounts.

binaryuniverse

I've fired off an email to CreditClub. Shall see what they say.

Fireflyaway

I've just checked my credit club report for the first time today. I was shocked to find I have an 'excellent' rating, because on clear score I am 'fair' and on Noddle I'm 'poor'.
Credit club also puts my loan ability at good because of my spare income being quite good, but chances of a credit card low because of poor affordability. So confusing. I know not all activity is reported to all 3 credit agencies but to have such a difference is confusing.

[Deleted User]

It's almost as if the scores don't mean anything...

binaryuniverse

Sorted over email. Re-registered with earlier address details added. The linking of addresses made sense to me, except for Barclaycard. Turns out they haven't updated my address on my credit report (pretty sure they have my current address. I know I updated it last year). They haven't updated it on Equifax either. But that will be removed by them around the end of this month anyway.