Some Advice Please.

Danny68

Hi,

Whilst checking my Equifax credit file through Clearscore. I found it was missing my address from 2006-2010.

FYI. My address between these years is on my Experian and Callcredit reports.

I know lenders usually just look for the last 6 years anyway, but it only shows me on the electoral roll from 2014, (on callcredit from 2013) I don't think i was on the roll from 2010-2013...so no problem there. (my fault for not applying at the time)
Will that missing period worried future lenders? ...I know most lenders use Experian and/or Equifax. .But some use Equifax exclusively..what should I do....should I leave it.as it is? get it updated ? ( If so, how do I do this?)

What's your advice.

Thanks in advance.

Danny

[Deleted User]

They won't see it, so don't worry.

They can only see the past 6 years.

Danny68

Aha, thank you i never knew.that .i had always thought they could see most of what we see on our I records (not all of course) , but just chose to use the last 6 years. thanks again...

If it's not to much bother to ask, can you tell me what else they can't see?.. i know soft searches etc, are generally unseen.

Thanks

takman

Danny68 wrote: »

Aha, thank you i never knew.that .i had always thought they could see most of what we see on our I records (not all of course) , but just chose to use the last 6 years. thanks again...

If it's not to much bother to ask, can you tell me what else they can't see?.. i know soft searches etc, are generally unseen.

Thanks

Lenders are also unable to see the names of the companies that provide you with credit.

Danny68

Really! ...wow, i thought they knew ..i thought it showed that info with amount owed and history etc. Thanks never realised that. surprising!