We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 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!

Any experience with querying markers on Closed Accounts

Evening all,
I am looking to get a mortgage so have gone through my credit reports in some detail. I had three defaults (all with TSB) in 2017 all of which I settled in full in September 2018. I have my credit reports from Equifax, Experian and Transunion and they all differ:
Unsecured Loan Default:
  • Equifax - Settled/Closed September 2018
  • Experian - Default until August 2018, then unknown status until Feb 2020, March 2020 marked as default.
  • Transunion -Default until August 2018, then unknown status until Jan 2020, Feb 2020 marked as satisfied. 
Overdraft Default:
  • Equifax - Settled/Closed September 2018
  • Experian - Default until July 2018, then unknown status until Jan 2020, Feb 2020 marked as satisfied
  • Transunion -Default until August 2018, then unknown status until Jan 2020, Feb 2020 marked as partially settled. 
Credit Card Default:
  • Equifax - Settled/Closed September 2018
  • Experian - Default until September 2018, then unknown status until July 2020
  • Transunion - Settled/Closed September 2018
Anyone any idea why they all vary so much when same lender and same settlement date, and how to rectify as obviously worried it doesn't accurately reflect my situation and will be difficult to explain on any potential mortgage application!
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
  • 351.7K Banking & Borrowing
  • 253.4K Reduce Debt & Boost Income
  • 454K Spending & Discounts
  • 244.7K Work, Benefits & Business
  • 600.2K Mortgages, Homes & Bills
  • 177.3K Life & Family
  • 258.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K 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.