Loan value reported to CRA

PP1984

Hoping for a bit of quick advice on what to enter in a DIP online form please.

I have 2 loans.

HSBC reports the total remaining balance plus the total interest to pay throughout the remaining term. My Experian report states £15k, however my settlement figure is £12k.

Ratesetter reports the current settlement figure to (does not include interest).

Which figure should go in a lender's DIP form? With interest or not? Or is it more important it to simply match the CRAs data?

Thanks

[Deleted User]

Match the CRA otherwise the lender may think there are 2. 1 it can see and 1 you have told them about.

It doesn't really matter though as the calculations are all done on the monthly payment

[Deleted User]

As above I'd match what's on the credit file.

Remember lenders don't see other lenders names, which causes confusion when customers are like "Oh, that's the M&S loan, I told you about that one!" - to us it's just a bunch of numbers.

If you are repaying/raising funds to repay and feel they may query where you have that extra £3k available, you could always get notes added - settlement figure of £X loan is actually £Y, to save a possible query further down the line.

PP1984

Thanks for the replies. I'll do as suggested and match the credit report.