MSE own credit club vs paid for experien?

[Deleted User]

They would go straight out to Equifax and query things

binaryuniverse

Samsung_Note2 wrote: »

Credit Wise uploaded details about historic CCJ"s being 100 times the amount they actually were (they agreed the amounts given to them was correct yet they inputed the wrong amounts),jumped for £251 to £25100 which was a surprise,and who does Capital one use for credit search..yes there own systems and i know that as the nice lady told me they use there own.

This sounds similar to issues I've had with Clearscore. It's not necessarily the data they get is incorrect, but the way they display the data is incorrect. Can be as simple as incorrectly interpreting a integer or float value in the pulled data.
They wouldn't (or shouldn't) be inputting their own data. It already exists and would be pulled from Equifax's own API. They may be caching it, which potentially could be susceptible to writing errors, but that would be a bug in their system they need to deal with.

As for the nice lady. I doubt she understands how the system works tbh. Our CS team wouldn't be able to to tell you the first thing about the workings of our internal systems, or the data we get/send from/to third parties.

RG2015

Samsung_Note2 wrote: »

Was rather tongue in cheek.....lol

As was mine.

I never trust anyone and always double check data from anywhere.

However, your issue with Capital One and Credit Wise does raise serious concerns. Even worse, it doesn't really surprise me. It will continue to happen with all data holders and it is down to us to remain vigilant.

It is difficult being a control freak when everyone else is out of control.