Equifax not updating

Y2Grae

Hi,

sorry if posted before, I've tried searching but to no avail on this matter.

I was a paid member of equifax main service until June last year. I got talked into the credit alert service for £2.99 a month. I receive alerts by email on a case by case basis.

however, my score on the dashboard hasn't updated since 1/6/16.

so I called them to find out why... I got the initial agent constantly tell me that my 2.99 was for alerts.. which I knew, but I wasn't told that I would lose access to my score. As I used Experian - they offer a view of score for free (like noddle/clearscore etc) and then you pay to access the report itself. Equifax state it's £5.95 on top of the alert charges to see the score...

I've put in a complaint about mis-selling my alerts. ie what's the point of being alerted and told to log in to check - if you can't check without paying more?!

also the statutory credit report you can get from them is £2, so why charge £5.95?

I've worked with Experian to fix my score with them, and i'm sat at 983 on their report. (something i'm over the moon with) but Equifax constantly shows 222 (very poor) and dated 1/6/16

Anyone know where I can check my Equifax score without paying? (as i said, most do free snapshots of scores) ... as I'm looking towards a mortgage (something 983 will definitely allow for) but i dont want to be caught out if Equifax think differently from experian.

sorry for the jumbled rant

edit: In my complaint I'm going to move that I get re-imbursed for the 13 months@2.99 as a minimum

[Deleted User]

Stop paying immediately. The scores are all fictional, so certainly not worth paying for.

Just check your three files via Noddle, Clearscore and the MSE Credit Club.

Remember - it's all about the data - not the magical number generator.

Y2Grae

Just did the MSE - any reason my experian score is lower there than it is on experian?

and am I after a lower or higher credit hit rate?

[Deleted User]

The scores are different because they're both made up, inconsistent and meaningless. Ignore them.

You're after a good credit history, demonstrating you can repay credit - use a card regularly and clear in full each month.

Avoid late payments and going overlimit. Be on the ER. Make sure the data is accurate. Don't worry about any of the scoring systems.