Details on my credit report all wrong.

BigYinUK

Hi.  Just taken a careful look at my latest credit report from Clearscore and nearly all my details other than my name and DOB are wrong.

1. Wrong (old) address - been where I am for 14 months, all banks, electoral role etc updated with new address last year.
2. Says I have no credit card and I have several
3. Say I have no loans - WRONG!
4. Say I have no telecoms contracts - WRONG!

etc etc

Why would this be, will it affect my ability to get credit and how can I get it put right?

Thanks and regards

[Deleted User]

Check all three of your files. It may be that your providers don't report to Equifax.  That could also be the cause of the outdated address.

If not, raise a dispute re the address.

Jfk1988

When I moved house Clearscore was just not for updating at all, eventually I had to delete and recreate the account which then brought it back into sync, may be worth a try. 

BigYinUK

Deleted_User said:

Check all three of your files. It may be that your providers don't report to Equifax.  That could also be the cause of the outdated address.

If not, raise a dispute re the address.

What 3 files?  I don't know how this all works.  tx

Carrot007

BigYinUK said:

1. Wrong (old) address - been where I am for 14 months, all banks, electoral role etc updated with new address last year.

Are you saying that the current address on your report is incorrect here? Unfortunatly you provide little info.

If so the current address is what you input in clearscore and nothing to do with them. If you lived there before there will be info left so that's why you able to produce a report using false details.

bazzyb

BigYinUK said:

Why would this be, will it affect my ability to get credit and how can I get it put right?

Sounds like you haven't changed your address on Clearscore, so they are searching your old address.  The missing accounts will, presumably, be linked to your new address which you have not given them.  You can update your address in the profile section.

[Deleted User]

BigYinUK said:

Deleted_User said:

Check all three of your files. It may be that your providers don't report to Equifax.  That could also be the cause of the outdated address.

If not, raise a dispute re the address.

What 3 files?  I don't know how this all works.  tx

Equifax (Clearscore)
Experian (MSE Credit Club)
TransUnion (Credit Karma)

BigYinUK

bazzyb said:

BigYinUK said:

Why would this be, will it affect my ability to get credit and how can I get it put right?

Sounds like you haven't changed your address on Clearscore, so they are searching your old address.  The missing accounts will, presumably, be linked to your new address which you have not given them.  You can update your address in the profile section.

There's not an option in the profile to add a new address, only to select from the 3 they suggest, none of which is the new address.

penners324

To update your address in the app go to the man shaped icon on the top right, then go to My Details

MaryNB

penners324 said:

To update your address in the app go to the man shaped icon on the top right, then go to My Details

They only let you pick from a selection of addresses they have for you. You can't input a new one.

BigYinUK said:

bazzyb said:

BigYinUK said:

Why would this be, will it affect my ability to get credit and how can I get it put right?

Sounds like you haven't changed your address on Clearscore, so they are searching your old address.  The missing accounts will, presumably, be linked to your new address which you have not given them.  You can update your address in the profile section.

There's not an option in the profile to add a new address, only to select from the 3 they suggest, none of which is the new address.

Get proof of your electoral register status at your current address from your local council and send it to Equifax. You may have to create an account with Equifax and look for "Errors on my Credit Report".

When I moved last year and re registered on the electoral roll in November equifax didn't update my address and all my financial info was removed. By July of this year I gave up waiting and sent them my electoral register info which solved the issue. They've deleted your financial info because they still see you at your old address but your financial accounts are registered to your new address.

A word of warning though. Equifax had a bad habit of adding notice of corrections when they make any requested changes. Once they update your electoral register info you need to check if they've added a notice of correction and send a complaint in to get it removed if they do. If they tell you it's not an issue ignore that and tell them to remove it but not to reverse the change they made with the electoral info.