Credit reference agency

Redrail

Hi all
I am dropping you a quick email with ref to a topic that Comes up with show a lot, over the last few months I have been checking my credit reports due to being turned down for credit, perhaps in the past I havent had the best score and the places that I did have credit I ensured that they were paid on time.
In February this year I obtained my report from clear score who deal with Equifax and was a bit taken back when I wasn't on the electoral reigistar of which my name is on the council tax form.
This was raised as a dispute with both equifax and experian and updated.
When I tried for credit that my address came up as two different address but the same house, I spoke to the above agencies and this was also updated.
At the start of this my score was very low at 112 after a first month had past and been updated went to 207
While checking what is on my report I also came across two amount which needed to be paid these were paid and recpits received.
I am still waiting for these to be up dated on my report to date,so now I have all three agencies app to keep a eye my reports. And the most recent one which I had a couple of days ago by noodle was horrified to see people on my report who I don't even know and wasn't on the electoral register.
A dispute has been raised with about this and awaiting the out come.
So I dug deeper in to my accounts with the people I have credit with and was totally astonished what is a creditor that I have credit with showed that for the past 2 yrs I am a 1 payment behind.
I have contacted the Compamy today and raised the issue they have checked my accounts and said you are all up to date.
I sent them the list of payments that are showing these incorrect entries.
And waiting for the response from them, also I just had my new report today and one of the accounts shows I still owe £1557 this was questioned while on the phone to them and the amount is £397, I did ask when are the accounts updated with the agency they replied end of each month.
Ps thanks for listening I just think that this would be a good idea of checking your report regularly is required.

Thanks

[Deleted User]

Quite a lot here with no spacing or paragraphs.

Can you summarise what it is you want checked?

Redrail

Gary,
Highlighted the issues with credit ref agencies, thought it would be of interest to all.
Rr

Redrail

Can you advise on anything else I should do.

[Deleted User]

I don't see the issues?

The CRA's can only report what lenders tell them to.

If there are any delays it's likely down to the lenders not updating the CRA's in a timely manner, or, if you get your reports free via Clearscore/Noddle/MSE then there are always at least 1-2 months behind in terms of a "realtime" view as they are only generated and updated on a monthly basis.