Clearscore (Equifax) says I've closed accounts that are still definitely open

SaintJudy

Had an alert from Clearscore so I went and checked it, the report says a current account, two credit cards and my phone contract have all been removed from my account because they've been closed. They definitely haven't and Experian and Credit Karma still see everything so I'm assuming the problem is with Equifax. 

Anyone else had this? What should I do about it?

zzyzx1221

Moved house recently?  Or updated the addresses on file?

SaintJudy

zzyzx1221 said:

Moved house recently?  Or updated the addresses on file?

Ah yes, I moved house at the beginning of February. Weirdly Clearscore still shows a couple of other accounts I have as still open but I've updated my address with all my banks so it's weird that it's done it with some and not others!

I'll sit tight and see if it corrects itself in a month or so. Thank you!!

zzyzx1221

SaintJudy said:

zzyzx1221 said:

Moved house recently?  Or updated the addresses on file?

Ah yes, I moved house at the beginning of February. Weirdly Clearscore still shows a couple of other accounts I have as still open but I've updated my address with all my banks so it's weird that it's done it with some and not others!

I'll sit tight and see if it corrects itself in a month or so. Thank you!!

Yes, Clearscore has a very odd system of handling address updates and what you've described sounds like it in action.  Could take a couple of months or more to right itself. I expect the raw data held with Equifax is still correct.

SaintJudy

Thank you @zzyzx1221, you've put my mind to rest because I was baffled by it! It was a bit of a shock to see 😂 Phew!

PixelPound

Same thing happened to me. You'll get an announcement in a month or three saying you've opened new accounts. The old accounts will appear, credit histories intact, and the made up score changes. 

SaintJudy

nic_c said:

Same thing happened to me. You'll get an announcement in a month or three saying you've opened new accounts. The old accounts will appear, credit histories intact, and the made up score changes. 

Thank you @nic_c! That's one weight off my mind  

RG2015

I have not had accounts disappearing from Clearscore, but have had address problems with Equifax which are also mirrored exactly on Clearscore.

I moved almost two years ago and Experian and Transunion had my 15 accounts (bank accounts, credit cards, utilities and telecoms) updated within a couple of months. However after a year, I had to get Equifax to contact TalkTalk, First Direct and Santander to update my address in their reports to Equifax.

TalkTalk and First Direct were updated within four weeks but Santander apparently advised Equifax that they were reporting my correct address. I tried again last month, this time on the phone to Equifax, and they said they contacted Santander (as have I) but again were told they were reporting my correct address.

Santander have my new address on the statements for my bank account and credit card, but are still reporting to Equifax with my old address. 

SaintJudy

RG2015 said:

I have not had accounts disappearing from Clearscore, but have had address problems with Equifax which are also mirrored exactly on Clearscore.

I moved almost two years ago and Experian and Transunion had my 15 accounts (bank accounts, credit cards, utilities and telecoms) updated within a couple of months. However after a year, I had to get Equifax to contact TalkTalk, First Direct and Santander to update my address in their reports to Equifax.

TalkTalk and First Direct were updated within four weeks but Santander apparently advised Equifax that they were reporting my correct address. I tried again last month, this time on the phone to Equifax, and they said they contacted Santander (as have I) but again were told they were reporting my correct address.

Santander have my new address on the statements for my bank account and credit card, but are still reporting to Equifax with my old address. 

That's frustrating, but I'll take that as a lesson to keep an eye on it. I'm a bit worried about the electoral register because I registered and had an email that said the council would be in touch to confirm the registration but I've had nothing yet. I know it's important for that detail to be right for the scoring agencies

RG2015

SaintJudy said:g

RG2015 said:

I have not had accounts disappearing from Clearscore, but have had address problems with Equifax which are also mirrored exactly on Clearscore.

I moved almost two years ago and Experian and Transunion had my 15 accounts (bank accounts, credit cards, utilities and telecoms) updated within a couple of months. However after a year, I had to get Equifax to contact TalkTalk, First Direct and Santander to update my address in their reports to Equifax.

TalkTalk and First Direct were updated within four weeks but Santander apparently advised Equifax that they were reporting my correct address. I tried again last month, this time on the phone to Equifax, and they said they contacted Santander (as have I) but again were told they were reporting my correct address.

Santander have my new address on the statements for my bank account and credit card, but are still reporting to Equifax with my old address. 

That's frustrating, but I'll take that as a lesson to keep an eye on it. I'm a bit worried about the electoral register because I registered and had an email that said the council would be in touch to confirm the registration but I've had nothing yet. I know it's important for that detail to be right for the scoring agencies

Once again, Equifax are slow with the ER. However, Credit Karma or MSE Credit Club (Experian) may well show you on the ER at your new address before your council confirms it.

SaintJudy

RG2015 said:

SaintJudy said:g

RG2015 said:

I have not had accounts disappearing from Clearscore, but have had address problems with Equifax which are also mirrored exactly on Clearscore.

I moved almost two years ago and Experian and Transunion had my 15 accounts (bank accounts, credit cards, utilities and telecoms) updated within a couple of months. However after a year, I had to get Equifax to contact TalkTalk, First Direct and Santander to update my address in their reports to Equifax.

TalkTalk and First Direct were updated within four weeks but Santander apparently advised Equifax that they were reporting my correct address. I tried again last month, this time on the phone to Equifax, and they said they contacted Santander (as have I) but again were told they were reporting my correct address.

Santander have my new address on the statements for my bank account and credit card, but are still reporting to Equifax with my old address. 

That's frustrating, but I'll take that as a lesson to keep an eye on it. I'm a bit worried about the electoral register because I registered and had an email that said the council would be in touch to confirm the registration but I've had nothing yet. I know it's important for that detail to be right for the scoring agencies

Once again, Equifax are slow with the ER. However, Credit Karma or MSE Credit Club (Experian) may well show you on the ER at your new address before your council confirms it.

Ah ok, good to know. Just goes to show you can't just do these things these days and it's sorted, you have to keep an eye on everything! Thank you