CheckMyFile has address listed twice in different formats

c55A

My address is listed twice on CheckMyFile, with Experian picking up both addresses but TransUnion and Equifax each picking up one of the two.

This is (suspected to be) causing banks to reject me for additional borrowing.

Equifax and Experian have my address as -

Flat 1-2, Street Name, City, Postcode

Whilst TransUnion and Experian have it as -

FLAT 1/2 Street Name, City, Postcode

Should I contact TransUnion or Equifax to correct the formatting? I’m trying to work out which has the biggest influence. 

DE_612183

what does it matter?

it shouldn't impact your creditworthyness

c55A

DE_612183 said:

what does it matter?

it shouldn't impact your creditworthyness

Banks can’t find me when they do a search. 

It also states that one format of address isn’t reported to Equifax, and then the other isn’t reported to TransUnion - meaning both formats show 2/3 CRAs.

KittenChops

DE_612183 said:

what does it matter?

it shouldn't impact your creditworthyness

It does matter because the CRAs are viewing these as 2 separate addresses - which means that a credit provider may think c55A hasn't been honest about where they live

@c55A
I think you need to work out which is the 'correct' version of your address - then contact any credit providers who hold the incorrect version, explain the problem, and ask that they update your address 
Alternatively you could report a discrepancy via the CRA, but they are only reporting the data given to them by the lender(s) so I think the first option is the way to go

Nasqueron

Check with the post office and council and use that - the electoral register is a good guide

steven141

Nasqueron said:

Check with the post office and council and use that - the electoral register is a good guide

This isn’t always simple as Royal Mail have different versions of addresses in some older properties in some places like Edinburgh. 

You could have an address which is:

BF1
1 Street Name 

But Royal Mail have that as 1/1 Street Name

Some places have that as Flat 1, 1 Street Name

The system is a mess. Luckily newer properties in Edinburgh are in the format;  Flat 1, 1 Street Name on both Royal Mail and Council.