Different facts reported by Equifax and Experian

RHF2020

I'm hoping to buy a house next year as a first time buyer and am trying to get my credit record in order. This forum has been really helpful and stopped me stressing over numbers and little details. 

But there is one thing that concerns me - an £80 default Vodafone recorded largely due to administrative mess ups and me changing addresses. I've tried to dispute it but they're being so stubborn that I've had to open a complaint with CISAS.

What is odd is that only Experian show this as a "default". The Equifax sites simply show the account as closed. Is there a reason for this? I know the agencies have their own algorithms and different scores, but I didn't expect different fact patterns. 

Can I just apply for a mortgage through clients of Equifax so they see my version of events?

McGeek20

i dont know the answer to this, i have a similar problem with virgin media, reporting to experian one thing (default of £75) which is settled and account closed where as equifax is reporting it correctly.

PaulW922

It probably comes down to Vodafone reporting the account at different times and sending different data. I hope you get the sorted out. An £80 default is not massive in the grand scheme of things but in these days of automated decision making a default is still a default