All credit agencies reports are different

winterlady00

transunion, Experian, & Exquifax are all reporting our mortgage payments differently, to the point that Equifax saids we are 'delinquent'. Have been in touch with the mortgage provider who have stated that they report that are up to date and no missed payments but an 'arrangement to pay' form during Covid. Have put 'Notes of correction' on all agency reports and they keep getting removed. How do we sort this as we are going round in circles with no resolution.

CliveOfIndia

An arrangement to pay means you paid less than the contractual amount, so it's entirely correct that it is recorded on your reports.

winterlady00 said:

Have put 'Notes of correction' on all agency reports and they keep getting removed.

How do you mean - you contacted the CRA and asked them to remove the marker?  You can't do that - any correction or amendment can only be initiated by the lender in question.  And from the information you've provided, it sounds like the AR marker has been correctly recorded.

winterlady00

THank you for your reply. My confusion is that each credit agency is reporting differently. Experian and Transunion is report AR with 3 missed payments (these are the ones that we arranged to miss) but Exquifax is reporting all months as missed payments which is not correct.is  All back payments have now been paid. Is it right that the agencies are all reporting so differently.

eskbanker

winterlady00 said:

THank you for your reply. My confusion is that each credit agency is reporting differently. Experian and Transunion is report AR with 3 missed payments (these are the ones that we arranged to miss) but Exquifax is reporting all months as missed payments which is not correct.is  All back payments have now been paid. Is it right that the agencies are all reporting so differently.

I wouldn't expect any rewriting of history once arrears have been repaid, but going forward, each month since that full repayment should be reported as being in the clear, is that not happening?