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    • Credit1
    • By Credit1 1st Jul 18, 3:52 PM
    • 7Posts
    • 0Thanks
    Credit1
    Equifax. Low score with n/A INFO??
    • #1
    • 1st Jul 18, 3:52 PM
    Equifax. Low score with n/A INFO?? 1st Jul 18 at 3:52 PM
    Hi i recently applied for my credit repor from equifax. As expected it was very poor. They asked for last three years addresses which i wasnt on the electoral role at these addreses. !But most info was marked n/a. I assumed with my bank account it would link me !to previous addresses over three years ago. Im assuming the info ive given (what they asked for ...3 years worth) is inadequate as there are no ccj etc against me according to the file. !Which is the opposite of what i expected. Ive moved addresses quite often over the last ten years... and been irresponsible to say the least. I expected previous linked addresses to come up? !I offered to supply more years of info but was told three years was enough. My score is bad but im left with no info with which to repair it. !Whats the best course of action !offer equifax more addresses or is it best to inform elect. Role? Do i need to find out about any defaults etc iHi i recently applied for my credit repor from equifax. As expected it was very poor. They asked for last three years addresses which i wasnt on the electoral role at these addreses. !But most info was marked n/a. I assumed with my bank account it would link me !to previous addresses over three years ago. Im assuming the info ive given (what they asked for ...3 years worth) is inadequate as there are no ccj etc against me according to the file. !Which is the opposite of what i expected. Ive moved addresses quite often over the last ten years... and been irresponsible to say the least. I expected previous linked addresses to come up? !I offered to supply more years of info but was told three years was enough. My score is bad but im left with no info with which to repair it. !Whats the best course of action !offer equifax more addresses or is it best to inform elect. Role? How do i find out about defaults... my score is extremely poor. Can anyone offer advice? It it worth joining the other setvices such as check myfile... i tried experian but they didnt find me at all..... equifax required id before showing my report.. my score is extremely poor. Can anyone offer advice? Thanks
Page 1
    • T-G-C
    • By T-G-C 1st Jul 18, 4:01 PM
    • 358 Posts
    • 172 Thanks
    T-G-C
    • #2
    • 1st Jul 18, 4:01 PM
    • #2
    • 1st Jul 18, 4:01 PM
    As is the cliche comment around here, ignore the credit scoring, it is irrelevant. It sounds like you've been a bit scarce and all over the place - to the extent that it seems Equifax have generated a muddled file, hence the defaults and other data held isn't showing up.

    Assuming the defaults were accumulated at previous addresses, providing these to Equifax could help them to consolidate the data and fill the blanks. If you weren't registered on the electoral roll at the previous addresses, I can't understand the logic in you being accepted for credit in the first place.

    Your question is not paragraphed, so I am having a hard time reading it, but I hope this information is answering your concerns.

    Your bank account's provider does not consistently submit addresses to the credit reference agencies, therefore if it has changed numerous times since account opening, this data wouldn't have been automatically updated or submitted to the CRA's.

    The best thing to do next is compile a list of all previous addresses within the past 6 years, submit them to Equifax and explain any missing data in detail. The relevant department can have it looked into for you. As you weren't registered at those addresses, assuming it was all off-the-book, they might not be able to use them unless you provide evidence.

    Equifax and similar agencies use information such as linked / previous addresses through the electoral roll, so it doesn't help that you have been off-the-radar for quite some time.
    Last edited by T-G-C; 01-07-2018 at 4:04 PM.
    All advice provided is intended for guidance purposes only. For specialized debt advice, please contact either National Debtline or StepChange.
    • Credit1
    • By Credit1 1st Jul 18, 6:24 PM
    • 7 Posts
    • 0 Thanks
    Credit1
    • #3
    • 1st Jul 18, 6:24 PM
    • #3
    • 1st Jul 18, 6:24 PM
    Thanks for going through it. I suspected as much. I did offer to send further info but the woman said it wasnt required and just needed 3 years. Thanks
    • DCFC79
    • By DCFC79 1st Jul 18, 6:39 PM
    • 32,565 Posts
    • 20,488 Thanks
    DCFC79
    • #4
    • 1st Jul 18, 6:39 PM
    • #4
    • 1st Jul 18, 6:39 PM
    Your first post you have pretty much duplicated the text, read it again and edit it, make it easier to read.
    • ywlgy
    • By ywlgy 2nd Jul 18, 12:59 AM
    • 69 Posts
    • 15 Thanks
    ywlgy
    • #5
    • 2nd Jul 18, 12:59 AM
    • #5
    • 2nd Jul 18, 12:59 AM
    If you weren't registered on the electoral roll at the previous addresses, I can't understand the logic in you being accepted for credit in the first place.
    Originally posted by T-G-C
    Not being on electoral roll does not prevent you getting credit. Not everyone in UK can vote.
    • ywlgy
    • By ywlgy 2nd Jul 18, 1:05 AM
    • 69 Posts
    • 15 Thanks
    ywlgy
    • #6
    • 2nd Jul 18, 1:05 AM
    • #6
    • 2nd Jul 18, 1:05 AM
    If you believe something is missing in your report, you can give the details to equifax and they will look for you.

    Have you tried Experian and Call Credit? Make sure theirs are also up to date.
    • T-G-C
    • By T-G-C 3rd Jul 18, 4:27 PM
    • 358 Posts
    • 172 Thanks
    T-G-C
    • #7
    • 3rd Jul 18, 4:27 PM
    • #7
    • 3rd Jul 18, 4:27 PM
    Not being on electoral roll does not prevent you getting credit. Not everyone in UK can vote.
    Originally posted by ywlgy
    It doesn't prevent you from obtaining credit by standard, but not being registered can, depending on the lender, affect some applications from being approved.

    This is because lenders may need to confirm how long someone has been registered at a particular address or confirm someone is living at an address, with the electoral register being the most accurate source to do such.

    Lenders do their own independent checks outside the credit reference agencies, such as application data sharing with National Hunter (some, not all), electoral roll cross-referencing and other data which is accessible to them about the person requesting credit.
    Last edited by T-G-C; 03-07-2018 at 4:29 PM.
    All advice provided is intended for guidance purposes only. For specialized debt advice, please contact either National Debtline or StepChange.
    • Credit1
    • By Credit1 3rd Jul 18, 6:34 PM
    • 7 Posts
    • 0 Thanks
    Credit1
    • #8
    • 3rd Jul 18, 6:34 PM
    thanks for advice and....
    • #8
    • 3rd Jul 18, 6:34 PM
    i've added multiple addresses which are linked to me so i'm just waiting..... il keep you informed of the results.... weirdly i just joined call credit noodle but it wouldn't let me finish the signup saying- .....oops it has already has me on file!

    i've also queried this so i'm waiting for that. anyone has an answer for this would be much appreciated.
    • DCFC79
    • By DCFC79 3rd Jul 18, 10:45 PM
    • 32,565 Posts
    • 20,488 Thanks
    DCFC79
    • #9
    • 3rd Jul 18, 10:45 PM
    • #9
    • 3rd Jul 18, 10:45 PM
    i've added multiple addresses which are linked to me so i'm just waiting..... il keep you informed of the results.... weirdly i just joined call credit noodle but it wouldn't let me finish the signup saying- .....oops it has already has me on file!

    i've also queried this so i'm waiting for that. anyone has an answer for this would be much appreciated.
    Originally posted by Credit1
    Its just Call Credit, Noddle is another way to access your call credit report.

    Have you registered with Noddle/Call Credit before, sounds like you have.
    • Credit1
    • By Credit1 4th Jul 18, 5:00 PM
    • 7 Posts
    • 0 Thanks
    Credit1
    No i havent joined them before
    so im at a loss. Ive emailed them but im still awaiting a response. Any thpughts on this would be appreciated.
    • Credit1
    • By Credit1 4th Jul 18, 5:02 PM
    • 7 Posts
    • 0 Thanks
    Credit1
    Duh.... sorry ive never used them before so i'm at a loss? Any thoughts on this? Thanks
    • Gary_Dexter
    • By Gary_Dexter 4th Jul 18, 6:18 PM
    • 2,098 Posts
    • 1,177 Thanks
    Gary_Dexter
    As above. Youve emailed them
    Now wait
    • Credit1
    • By Credit1 5th Jul 18, 1:13 PM
    • 7 Posts
    • 0 Thanks
    Credit1
    Cheers. Also......im not trying to get credit. my credit score is really bad due to bad past management and have been refused credit before. I wouldnt be accepted. Im just trying to obtain all info to begin repairing.. .....hopefully!
    • Credit1
    • By Credit1 5th Jul 18, 1:15 PM
    • 7 Posts
    • 0 Thanks
    Credit1
    Also i must state that all my report had on was the score only and nothing else. Which concerning me im thinking cannot be correct.
    • zx81
    • By zx81 5th Jul 18, 1:17 PM
    • 18,620 Posts
    • 19,879 Thanks
    zx81
    When you get your full reports, remember to ignore the comedy scores.

    It's only your credit history that matters.
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