Credit File inconsistencies - affecting rating

Sbooks

Hi everyone,

Just looking for some advice. I've been working on my credit file and it's doing quite well. Experian and TransUnion both report score as excellent, but Equifax is under 500/1000. I have checked and it seems to be because my credit card is not on ClearScore (Equifax) for some reason but it it is on the other two agencies. Additionally, my current account is on all three report and I am not sure why? I don't have an overdraft and it's a current account, is anyone able to explain and is it influencing my credit file? I only have one credit card and this is my only line of credit history. I am trying to do something about this but I am wondering whether this is affecting which credit cards I can apply for?

Thank you so much for your help!

[Deleted User]

Not all lenders report to all CRAs, so what you see if what there is.

Your current account is there because you have the ability to go overdrawn on any current account.

Ignore the scores - they're not real or anything to do with credit worthiness. You just need to focus on the data. Also look to lower your risk by having more than one credit card.

Sbooks

Thank you zx81, really appreciate it!