Incorrect information on CRA reports - should I do anything about it?

Cloth_of_Gold

I checked my Experian and Equifax credit scores using MSE Credit Club and Clearscore. Equifax's report says that I don't have a credit card, which isn't true - I've had at least one for over 30 years. Experian doesn't seem to know about my credit card either and also said I wasn't on the electoral roll at the address I'd given. It said the LA report shows my address as Acacia Avenue PR110 6WW (I made that up of course) rather than 50 Acacia Avenue PR110 6WW -  so the right road and postcode but not the full address. The report concludes from this that I'm not on the electoral roll at the address I have given (and which, of course, matches up with all the accounts on my report).

Neither shows my mobile phone contract with Lebara. It's a one month rolling contract so perhaps this doesn't count.

Do any of these things matter? I have contacted Experian about the incorrect electoral roll info but should I also contact them, and Equifax, about the missing credit card info? I have a high credit limit but pay it off each month so it would presumably have a positive effect on my score, although the Experian report says my score is in the Excellent category anyway and Equifax says it is 'Flying High' - whatever that means. The score is well above the national average but also well below their maximum so perhaps if they had all the correct info it would be even better. 

I have no plans to apply for any credit in the foreseeable future so perhaps it's not worth bothering about, I don't know. Anyone have a view?

MorningcoffeeIV

CRAs only show data from the institutions which report to it, so none of them are likely to show the full picture. Older accounts may not report at all.You don't need to report any 'missing' data other than the ER.

The credit scores are fictional and can be ignored.  Just focus on the data.

400ixl

Not all companies report to all CRA's or even at all. One of my credit cards is not reported to any for example.

You could write to them to get the address corrected as that is in their control, other than that they don't know what they don't know. You just need to be concerned that what they do know and that it is accurate. 

fatbelly

Omission of a credit source is not incorrect as it is optional for the creditor to report to some, all or none of the CRAs. You can only object to incorrect info on file

Cloth_of_Gold

Given that so much information might be missing you wonder what value these CRA reports are to lenders. The reports have details of two things from my bank but the missing credit card is also issued by my bank. You wonder why they would report some things but not others. 

I contacted Experian about their not having me on the electoral roll. They came back and asked me to give the electoral roll address. That is simply my full address so I can give that, and indeed they already know that. They also want to know the month and year that I registered (I know the year but not the month - it was nearly 30 years ago so unsurprisingly I can't remember). They also want a recent local authority confirmation letter. What would I have that? I could get one I suppose but frankly I haven't got the time so I'm not going to bother with that. It's clearly their fault as Equifax have me on the electoral roll and as I'm not going to enter into any credit agreements in the foreseeable future I'm not going to worry about it. When they get the next LA update they might correct it anyway.