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    • Baldyman69
    • By Baldyman69 16th Jul 17, 7:52 PM
    • 2Posts
    • 0Thanks
    CCJS on Experian credit file in error.
    • #1
    • 16th Jul 17, 7:52 PM
    CCJS on Experian credit file in error. 16th Jul 17 at 7:52 PM
    I have 3 CCJs on my credit file which I am paying, this afternoon my son found the same CCJs on his credit file by Experian. They have my name on them and I don't understand why all of a sudden they have appeared on my son's credit file. He is going for a mortgage next month and we are all in a panic. Some of these CCJs are 3 years old, the only thing we can think of is that my son's middle name is the same as my first name. I have emailed Experian and have given them all of the relevant information. Does anyone have any idea of anything else I can do please?
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    • zx81
    • By zx81 16th Jul 17, 8:59 PM
    • 16,363 Posts
    • 17,395 Thanks
    • #2
    • 16th Jul 17, 8:59 PM
    • #2
    • 16th Jul 17, 8:59 PM
    Just pursue it with Experian. Nothing else needed.
    • Nebulous2
    • By Nebulous2 17th Jul 17, 5:27 AM
    • 1,823 Posts
    • 1,102 Thanks
    • #3
    • 17th Jul 17, 5:27 AM
    • #3
    • 17th Jul 17, 5:27 AM
    Check the other two credit reference agencies as well. There is no guarantee which one(s) a mortgage company will use.

    Both are available free if he registers with noddle and clearscore.
    • Baldyman69
    • By Baldyman69 17th Jul 17, 10:55 AM
    • 2 Posts
    • 0 Thanks
    • #4
    • 17th Jul 17, 10:55 AM
    • #4
    • 17th Jul 17, 10:55 AM
    They have not appeared on his Noddle credit report, but I will get him to check Clear Score. Is Equifax the same as Experian?

    Thank you for your help it is much appreciated.
    Last edited by Baldyman69; 17-07-2017 at 11:02 AM. Reason: Thought of more to say.
    • StopIt
    • By StopIt 17th Jul 17, 12:12 PM
    • 1,395 Posts
    • 1,249 Thanks
    • #5
    • 17th Jul 17, 12:12 PM
    • #5
    • 17th Jul 17, 12:12 PM
    No, Equifax are a different CRA. You'll need to check all 3, each with a free way to access them.

    They are as follows:

    ClearScore (Free, for Equifax)
    MSE Credit Club (Free, for Experian)
    Noddle (Free, for CallCredit)

    If the CCJs are listed in any of those 3, contact them, and they'll correct it.
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