credit file is so different across the agencies

2babyboys

Hi all, I got into debt 6 years ago following a serious health diagnosis and subsequent passing of my Dad.  My mental health hit rock bottom.  I ended up defaulting on 10 debts totalling nearly £20k.  Since then I got back on track, salary increased 40% and no more bad credit issues since.  This year all my defaults drop off.  I checked my credit file across Equifax, Experian and Transunion today and only Transunion is recording my credit usage at 444%, both others are -1%.  I know we shouldn't go off score but only transunion says needs work, others say good.  I'm so confused.  I want to buy a car on finance, should I wait until all the defaults go this year, or hope the finance company use experian or equifax.  How does this work?  Thank you

fatbelly

Wait until the defaults drop off. If you get a court claim or a formal letter before claim, post on the debt free wannabe board