We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Different facts reported by Equifax and Experian

Options
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?

Comments

  • McGeek20
    McGeek20 Posts: 10 Forumite
    First Post
    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
    PaulW922 Posts: 1,039 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    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
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.9K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.5K Spending & Discounts
  • 243.9K Work, Benefits & Business
  • 598.8K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.