Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • RG2015
    • By RG2015 21st Jul 19, 4:12 PM
    • 1,746Posts
    • 1,111Thanks
    RG2015
    Moving house and most of my credit accounts have disappeared from Equifax
    • #1
    • 21st Jul 19, 4:12 PM
    Moving house and most of my credit accounts have disappeared from Equifax 21st Jul 19 at 4:12 PM
    I have recently moved house and my Equifax credit report is no longer showing 10 of my 15 credit accounts and has no reference to my new address. Experian and Credit Karma (TransUnion) are both showing all 15 of my accounts and are correctly showing my new address.

    I also requested my statutory credit report from Equifax but this has also omitted 10 of my accounts and has no reference to my new address.

    Has anyone else experienced Equifax being so much less efficient than Experian and TransUnion in dealing with changes of address?
Page 1
    • LawAbiding
    • By LawAbiding 21st Jul 19, 4:29 PM
    • 264 Posts
    • 161 Thanks
    LawAbiding
    • #2
    • 21st Jul 19, 4:29 PM
    • #2
    • 21st Jul 19, 4:29 PM
    What are your timreframes with moving, notifying the accounts of the new address etc?

    It usually can take up to 6 weeks and differs from CRA go CRA
    • RG2015
    • By RG2015 21st Jul 19, 6:22 PM
    • 1,746 Posts
    • 1,111 Thanks
    RG2015
    • #3
    • 21st Jul 19, 6:22 PM
    • #3
    • 21st Jul 19, 6:22 PM
    What are your timreframes with moving, notifying the accounts of the new address etc?

    It usually can take up to 6 weeks and differs from CRA go CRA
    Originally posted by LawAbiding
    Thank you. Eight weeks now and all banks were notified at the same time.

    Experian and Credit Karma have continued to show all of my accounts some with the new address and some with the old. By not showing 10 of my accounts, Equifax have reduced my current debt from tens of thousands to virtually nothing.

    It does not fill me with much confidence in their processes.
    • boo_star
    • By boo_star 21st Jul 19, 6:32 PM
    • 2,853 Posts
    • 2,192 Thanks
    boo_star
    • #4
    • 21st Jul 19, 6:32 PM
    • #4
    • 21st Jul 19, 6:32 PM
    I've had a similar problem with Clearscore, although oddly Equifax themselves are still reporting correctly.

    Didn't had the same problem the last time I moved (around 7 months ago.)
    • RG2015
    • By RG2015 21st Jul 19, 6:44 PM
    • 1,746 Posts
    • 1,111 Thanks
    RG2015
    • #5
    • 21st Jul 19, 6:44 PM
    • #5
    • 21st Jul 19, 6:44 PM
    I've had a similar problem with Clearscore, although oddly Equifax themselves are still reporting correctly.

    Didn't had the same problem the last time I moved (around 7 months ago.)
    Originally posted by boo_star
    Clearscore and Creditwise from Capital One use Equifax so these too are showing incorrect data for me. However as they only update monthly I am not expecting them to be correct until at least a month after Equifax is updated..
    • boo_star
    • By boo_star 21st Jul 19, 6:51 PM
    • 2,853 Posts
    • 2,192 Thanks
    boo_star
    • #6
    • 21st Jul 19, 6:51 PM
    • #6
    • 21st Jul 19, 6:51 PM
    Clearscore and Creditwise from Capital One use Equifax so these too are showing incorrect data for me. However as they only update monthly I am not expecting them to be correct until at least a month after Equifax is updated..
    Originally posted by RG2015
    In my case it seems like Clearscore are only getting it more wrong.

    Last month they removed all my credit cards.

    The most recent update for the coming month has them removing a current account too.

    Nothing so far to suggest they're adding anything back.
    • RG2015
    • By RG2015 21st Jul 19, 9:59 PM
    • 1,746 Posts
    • 1,111 Thanks
    RG2015
    • #7
    • 21st Jul 19, 9:59 PM
    • #7
    • 21st Jul 19, 9:59 PM
    In my case it seems like Clearscore are only getting it more wrong.

    Last month they removed all my credit cards.

    The most recent update for the coming month has them removing a current account too.

    Nothing so far to suggest they're adding anything back.
    Originally posted by boo_star
    Thanks. I'm glad it's not just me.
    • boo_star
    • By boo_star 21st Jul 19, 10:11 PM
    • 2,853 Posts
    • 2,192 Thanks
    boo_star
    • #8
    • 21st Jul 19, 10:11 PM
    • #8
    • 21st Jul 19, 10:11 PM
    Thanks. I'm glad it's not just me.
    Originally posted by RG2015
    It's funny that Clearscore suggest, to improve my score, I should take out a credit card. Idiots...
    • RG2015
    • By RG2015 6th Aug 19, 11:26 AM
    • 1,746 Posts
    • 1,111 Thanks
    RG2015
    • #9
    • 6th Aug 19, 11:26 AM
    • #9
    • 6th Aug 19, 11:26 AM
    I contacted Equifax online yesterday and they have now rerun my credit report using my new address and everything is now showing correctly.

    Experian and Transunion did this automatically a few days after I had moved and perhaps Equifax would have done but who knows when. I should not have had to initiate this update but nine weeks is in my opinion too long to wait for a credit reporting agency to update my address so that my accounts would continue to be reported.
    • RG2015
    • By RG2015 11th Oct 19, 1:26 PM
    • 1,746 Posts
    • 1,111 Thanks
    RG2015
    Clearscore and Capital One not updating my address
    As per my last post, Equifax updated my address on 6th August but their partners' free sites, Creditwise from Capital One and Clearscore have not updated my address.

    Since then I have had three monthly reports from Capital One and two from Clearscore only showing my old address. In addition they are missing off most of my 15 credit accounts.

    Do any lenders actually use these companies of do they go directly to Equifax?

    Having said that, I cannot see any way of updating them as they say that they get all of their information from Equifax. Clearly there is an error but if there are no adverse consequences am I correct in just ignoring this error?
    • zx81
    • By zx81 11th Oct 19, 1:29 PM
    • 24,155 Posts
    • 26,877 Thanks
    zx81
    Lenders only search and report directly to the CRAs.

    All the many spin off sites are just for consumers.
    • Gary_Dexter
    • By Gary_Dexter 11th Oct 19, 3:19 PM
    • 6,931 Posts
    • 4,613 Thanks
    Gary_Dexter
    As per my last post, Equifax updated my address on 6th August but their partners' free sites, Creditwise from Capital One and Clearscore have not updated my address.

    Since then I have had three monthly reports from Capital One and two from Clearscore only showing my old address. In addition they are missing off most of my 15 credit accounts.

    Do any lenders actually use these companies of do they go directly to Equifax?

    Having said that, I cannot see any way of updating them as they say that they get all of their information from Equifax. Clearly there is an error but if there are no adverse consequences am I correct in just ignoring this error?
    Originally posted by RG2015
    They go direct to the CRA's.

    Ask any of these errant sites to delete your account and then you should be able to setup a new one again and have it show the correct information.
    • RG2015
    • By RG2015 11th Oct 19, 5:48 PM
    • 1,746 Posts
    • 1,111 Thanks
    RG2015
    They go direct to the CRA's.

    Ask any of these errant sites to delete your account and then you should be able to setup a new one again and have it show the correct information.
    Originally posted by Gary_Dexter
    Thanks for the suggestion which was worked fine online for Clearscore which is now completely up to date.

    Creditwise needs to be closed by phone which I also did. It looks like they are having problems with their website so I will not be re registering any time soon if at all.
    • Ben8282
    • By Ben8282 11th Oct 19, 8:24 PM
    • 4,041 Posts
    • 2,221 Thanks
    Ben8282
    Were ALL 3 CRA's really showing ALL 15 of your credit accounts?
    All credit providers do not report to all CRA's. It is highly unusual that all 15 of yours should be reporting to all 3.
    • RG2015
    • By RG2015 11th Oct 19, 8:57 PM
    • 1,746 Posts
    • 1,111 Thanks
    RG2015
    Were ALL 3 CRA's really showing ALL 15 of your credit accounts?
    All credit providers do not report to all CRA's. It is highly unusual that all 15 of yours should be reporting to all 3.
    Originally posted by Ben8282
    Yes and no.

    I have 15 bank accounts and credit cards from 7 banks and all 3 CRAs report these 15 accounts.

    I also have a telecoms account reported by one CRA and a utility account reported by another and another utility account reported by two of the CRAs.

    And just for good measure I have a credit card and a current account from the seventies that are reported by none of the three.
    Last edited by RG2015; 11-10-2019 at 9:01 PM.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,471Posts Today

8,032Users online

Martin's Twitter