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@.

    • Gaz84
    • By Gaz84 18th May 17, 7:50 PM
    • 14Posts
    • 2Thanks
    Quick one, how diferent is the data held by the 3 agencies?
    • #1
    • 18th May 17, 7:50 PM
    Quick one, how diferent is the data held by the 3 agencies? 18th May 17 at 7:50 PM
    Just a real quick one, I have checked Call Credit and Equifax to have a look at my history after years of burying my head in the sand. Its surprisingly clear. No CCJs and defaults ready to fall off in the next 12 months. That's it. Now how different would the remaining data be on experian? I have applied for the 2 check but it takes a couple of days, as opposed to te instant details the other two gave me.

    Last edited by Gaz84; 18-05-2017 at 7:53 PM.
Page 1
    • zx81
    • By zx81 18th May 17, 8:26 PM
    • 16,788 Posts
    • 17,797 Thanks
    • #2
    • 18th May 17, 8:26 PM
    • #2
    • 18th May 17, 8:26 PM
    They are as different as the lenders reporting criteria.

    In other words, you'll only find out by checking.
    • nikongirl
    • By nikongirl 18th May 17, 8:49 PM
    • 155 Posts
    • 184 Thanks
    • #3
    • 18th May 17, 8:49 PM
    • #3
    • 18th May 17, 8:49 PM
    You can get your Experian credit report free here:
    • Gaz84
    • By Gaz84 18th May 17, 11:50 PM
    • 14 Posts
    • 2 Thanks
    • #4
    • 18th May 17, 11:50 PM
    • #4
    • 18th May 17, 11:50 PM
    Thanks dude, I just checked it and thankfully nothing nasty. No CCJ's or Cifas markers, and two defaults that are due to drop off this year. Its taken neary 6 years of responsiblness and commitment but I'm nearly there.... .
    • Ben8282
    • By Ben8282 19th May 17, 1:38 AM
    • 2,276 Posts
    • 1,015 Thanks
    • #5
    • 19th May 17, 1:38 AM
    • #5
    • 19th May 17, 1:38 AM
    Unfortunately the different CRA's do hold different information which can create different pictures of an individuals financial affairs.
    For example, my old and almost repaid mortgage, indicative of a very substantial equity, is reported only to Experian. Experian score me 999 and I appear to be Mr Perfect who can do no wrong in their eyes. This 999 credit score survived a hard search, the appearance of a new credit card account with an almost 10k limit and the appearance of a balance on that account. Yes really. 999 unchanged all the way.
    Equifax however is a different story. My mortgage is not reported to them at all, although my electricity account, which is not reported to Experian, is reported to them. Equifax do not give me their maximum score; in fact I barely scrape through into the excellent category.
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

791Posts Today

5,487Users online

Martin's Twitter
  • It's the start of mini MSE's half term. In order to be the best daddy possible, Im stopping work and going off line?

  • RT @shellsince1982: @MartinSLewis thanx to your email I have just saved myself £222 by taking a SIM only deal for £7.50 a month and keeping?

  • Today's Friday twitter poll: An important question, building on yesterday's important discussions: Which is the best bit of the pizza...

  • Follow Martin