Equifax data range

BethArmett

Hey everyone, 
Sorry for the numerous threads over the last couple of days, lots and lots of questions as I learn more each day. My question is this; I used checkmyfile today and noticed when comparing the 3 CRA's that Equifax only holds data for all of my accounts for four years. Is that right? I thought it might be a mistake but Equifax, (through their website) Credit Wise and ClearScore only show the last four years too - data is literally up the month so shows data from August 2016 - July 2020, nothing before this. Seems strange as I thought everything stayed for six years minimum. Experian and Transunion both show details for the last six years. Thanks again guys 

D3xt3r5L4b

Did you change your name at all? Get married etc?

BethArmett

D3xt3r5L4b said:

Did you change your name at all? Get married etc?

No, I've never had a change of name or address, I still live at home with my patents 

BethArmett

D3xt3r5L4b said:

Did you change your name at all? Get married etc?

I've added two pictures for refernce: one of all three CRAs side by side on checkmyfile and one from Equifax themself. It is the same account, as you can see it has been open for more than four years but Equifax are only showing data for the past four years. This is the same for all of my accounts (bar closed ones which shows the data from when they were open to bring closed) 

adamp87

It could be this is when they were all added to your report perhaps? (Odd of course for multiple but..)

BethArmett

adamp87 said:

It could be this is when they were all added to your report perhaps? (Odd of course for multiple but..)

It could be but I don't understand why - there's a few accounts that have been open for over six years now yet they're all only showing four years on Equifax. Strange 

D3xt3r5L4b

If you’re that concerned about it then raise a dispute/query with Equifax 

Fletcher86

It could be that the lender in question has only been reporting data to Equifax since Aug 2016, whereas they have been reporting to Experian and Transunion for longer.

tim_london

Just register with Equifax and get a free statutory report (it is instant).

Mine goes back 6 years.  In fact it includes account that was closed within 6 years so the data goes beyond that.  I have an account that was closed in 2015 and the data shown goes all the way back to 2010.

BethArmett

D3xt3r5L4b said:

If you’re that concerned about it then raise a dispute/query with Equifax 

I have. I'm waiting for a response. This post was to see if anyone had a similar experinece/knew why

BethArmett

tim_london said:

Just register with Equifax and get a free statutory report (it is instant).

Mine goes back 6 years.  In fact it includes account that was closed within 6 years so the data goes beyond that.  I have an account that was closed in 2015 and the data shown goes all the way back to 2010.

I have - it's the same on my Equifax report and with all of my accounts, not just this one