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Some Advice Please.

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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

Comments

  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    They won't see it, so don't worry.

    They can only see the past 6 years.
  • Danny68
    Danny68 Posts: 7 Forumite
    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
    takman Posts: 3,876 Forumite
    1,000 Posts Combo Breaker
    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
    Danny68 Posts: 7 Forumite
    Really! ...wow, i thought they knew ..i thought it showed that info with amount owed and history etc. Thanks never realised that. surprising!
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