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    • Adrian456
    • By Adrian456 13th Nov 19, 10:00 PM
    • 3Posts
    • 0Thanks
    Adrian456
    Completely false credit reports
    • #1
    • 13th Nov 19, 10:00 PM
    Completely false credit reports 13th Nov 19 at 10:00 PM
    Hi,

    I'm currently saving to buy a home in the next 3-5 years. I recently looked on ClearScore and Experian to see my credit score and was shocked to find that on both the information they hold is either false or inaccurate, despite updating my address, salary etc.

    For context, I'm 25, never been in debt, always paid bills on time, been putting in money monthly to my Help-to-Buy ISA for a number of years, and have been using my credit card regularly and always paying in full. I am also on the electoral register and have kept my address up-to-date.

    On clearscore, the only thing stated is that I was banking with HSBC until 2014 with no data afterwards. I was banking with another bank at the time and changed bank again about a year ago. My score here is 375 odd?

    On experian, my score is 999 yet it doesn't have any information on me bank/ credit card wise, and updating my personal details, address etc has no effect. I spoke to my current bank who state that they have been updating Experian regularly regarding my credit card.

    I really don't want to pay out to speak to someone at Experian and Clearscore only has an email address.

    Any advice would be greatly appreciated.
Page 1
    • Gary_Dexter
    • By Gary_Dexter 13th Nov 19, 10:02 PM
    • 7,007 Posts
    • 4,660 Thanks
    Gary_Dexter
    • #2
    • 13th Nov 19, 10:02 PM
    • #2
    • 13th Nov 19, 10:02 PM
    Scores and ratings aren’t used by lenders so ignore them just like a lender would.

    What address shows as your current address on your credit files?
    • DCFC79
    • By DCFC79 13th Nov 19, 10:03 PM
    • 35,379 Posts
    • 22,334 Thanks
    DCFC79
    • #3
    • 13th Nov 19, 10:03 PM
    • #3
    • 13th Nov 19, 10:03 PM
    Hi,

    I'm currently saving to buy a home in the next 3-5 years. I recently looked on ClearScore and Experian to see my credit score and was shocked to find that on both the information they hold is either false or inaccurate, despite updating my address, salary etc.

    For context, I'm 25, never been in debt, always paid bills on time, been putting in money monthly to my Help-to-Buy ISA for a number of years, and have been using my credit card regularly and always paying in full. I am also on the electoral register and have kept my address up-to-date.

    On clearscore, the only thing stated is that I was banking with HSBC until 2014 with no data afterwards. I was banking with another bank at the time and changed bank again about a year ago. My score here is 375 odd?

    On experian, my score is 999 yet it doesn't have any information on me bank/ credit card wise, and updating my personal details, address etc has no effect. I spoke to my current bank who state that they have been updating Experian regularly regarding my credit card.

    I really don't want to pay out to speak to someone at Experian and Clearscore only has an email address.

    Any advice would be greatly appreciated.
    Originally posted by Adrian456
    Credit scores arent seen by lenders, your history is what lenders see.

    Lenders dont have to report to the reference agencies.

    You tried Transunion ?
    Last edited by DCFC79; 13-11-2019 at 10:09 PM.
    • zx81
    • By zx81 13th Nov 19, 10:03 PM
    • 24,408 Posts
    • 27,214 Thanks
    zx81
    • #4
    • 13th Nov 19, 10:03 PM
    • #4
    • 13th Nov 19, 10:03 PM
    No need to pay.

    Just query any anomalies with the three CRAs and don't forget to ignore the scores. You just need any data there to be correct. Not all providers report to all CRAs.
    • Willing2Learn
    • By Willing2Learn 13th Nov 19, 10:03 PM
    • 4,766 Posts
    • 4,307 Thanks
    Willing2Learn
    • #5
    • 13th Nov 19, 10:03 PM
    • #5
    • 13th Nov 19, 10:03 PM
    Hi Adrian456 and welcome to the forum

    If it were me, I would get my three Statutory credit reports direct from Experian, Equifax and TransUnion. They are the reports that lenders see, and they are the ones that need to be accurate.
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    • Adrian456
    • By Adrian456 13th Nov 19, 10:14 PM
    • 3 Posts
    • 0 Thanks
    Adrian456
    • #6
    • 13th Nov 19, 10:14 PM
    • #6
    • 13th Nov 19, 10:14 PM
    To query incorrect information do I need to send over bank statements or something?
    • zx81
    • By zx81 13th Nov 19, 10:22 PM
    • 24,408 Posts
    • 27,214 Thanks
    zx81
    • #7
    • 13th Nov 19, 10:22 PM
    • #7
    • 13th Nov 19, 10:22 PM
    Not at all. You just dispute the information and they will check with the provider to determine if it's accurate.
    • Adrian456
    • By Adrian456 13th Nov 19, 10:25 PM
    • 3 Posts
    • 0 Thanks
    Adrian456
    • #8
    • 13th Nov 19, 10:25 PM
    • #8
    • 13th Nov 19, 10:25 PM
    Thanks Zx81, I'm completely new to all this.
    • boo_star
    • By boo_star 14th Nov 19, 7:40 AM
    • 2,913 Posts
    • 2,239 Thanks
    boo_star
    • #9
    • 14th Nov 19, 7:40 AM
    • #9
    • 14th Nov 19, 7:40 AM
    Not reporting data isn't an offence. As long as they are not reporting incorrect information then they can carry on as they wish.
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