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  • FIRST POST
    • Elson_Cj
    • By Elson_Cj 13th Jan 20, 6:45 PM
    • 24Posts
    • 0Thanks
    Elson_Cj
    Credit Report Out of date
    • #1
    • 13th Jan 20, 6:45 PM
    Credit Report Out of date 13th Jan 20 at 6:45 PM
    Evening All,

    My partner and I took out our first mortgage around a year ago and whilst she is named as a financial dependant on my report and likewise for hers, our credit reports still havenít updated to say that we have this mortgage.

    Also, we have been moved in 9-10 months and our credit report hasnít updated with our new address. We both voted in the general election in December and have updated our banks.

    I donít know what else we can do?
Page 1
    • twhitehousescat
    • By twhitehousescat 13th Jan 20, 6:47 PM
    • 4,551 Posts
    • 5,604 Thanks
    twhitehousescat
    • #2
    • 13th Jan 20, 6:47 PM
    • #2
    • 13th Jan 20, 6:47 PM
    is the lack showing on all 3 credit reporting companies sites, or just the one you are using
    Time pretending I was asleep whilst under his desk , has given me insight to this sordid world
    • Elson_Cj
    • By Elson_Cj 13th Jan 20, 6:48 PM
    • 24 Posts
    • 0 Thanks
    Elson_Cj
    • #3
    • 13th Jan 20, 6:48 PM
    • #3
    • 13th Jan 20, 6:48 PM
    Equifax, Clearscore etc...
    • Willing2Learn
    • By Willing2Learn 13th Jan 20, 6:56 PM
    • 5,199 Posts
    • 4,840 Thanks
    Willing2Learn
    • #4
    • 13th Jan 20, 6:56 PM
    • #4
    • 13th Jan 20, 6:56 PM
    Have a look at your three Statutory reports instead. Then you will get an exact snapshot of how the data is recorded on your 3 credit files, and would be precisely what a lender would see.
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    • twhitehousescat
    • By twhitehousescat 13th Jan 20, 7:06 PM
    • 4,551 Posts
    • 5,604 Thanks
    twhitehousescat
    • #5
    • 13th Jan 20, 7:06 PM
    • #5
    • 13th Jan 20, 7:06 PM
    Clearscore reports info from Equifax, , what is etc ?
    Time pretending I was asleep whilst under his desk , has given me insight to this sordid world
    • Elson_Cj
    • By Elson_Cj 13th Jan 20, 7:07 PM
    • 24 Posts
    • 0 Thanks
    Elson_Cj
    • #6
    • 13th Jan 20, 7:07 PM
    • #6
    • 13th Jan 20, 7:07 PM
    Experian as well, just checked that
    • DCFC79
    • By DCFC79 13th Jan 20, 8:21 PM
    • 35,655 Posts
    • 22,502 Thanks
    DCFC79
    • #7
    • 13th Jan 20, 8:21 PM
    • #7
    • 13th Jan 20, 8:21 PM
    Re the address, maybe speak to the reference agencies, they may be able to change it or maybe advise to what to do.

    Re the mortgage not showing, the lender doesnt have to report it, its odd how it isn't though.

    You checked Transunion ?
    • Ben8282
    • By Ben8282 13th Jan 20, 8:30 PM
    • 4,763 Posts
    • 2,636 Thanks
    Ben8282
    • #8
    • 13th Jan 20, 8:30 PM
    • #8
    • 13th Jan 20, 8:30 PM
    Who is the mortgage lender? If you let us know somebody may be able to tell you which CRA(s) they report to.
    Is it really so bad NOT having the mortgage debt showing on your reports?
    With regard to your address, do you mean that NO lender has updated your address? None of them? Have you advised all lenders of your new address?
    If you are referring to your ER entry, how long ago did you put yourself on the ER at your new address?
    Is this non-update of your address the same for all 3 CRA's?
    • Elson_Cj
    • By Elson_Cj 14th Jan 20, 7:21 AM
    • 24 Posts
    • 0 Thanks
    Elson_Cj
    • #9
    • 14th Jan 20, 7:21 AM
    • #9
    • 14th Jan 20, 7:21 AM
    Hi Ben,

    Itís the same for every CRA I have checked, they all have both our old addresses and not our new one? It was back in December regarding the ER!

    The lender is Leeds who I have contacted and itís not such a bad thing no but curiosity as to why led me to post
    • nick74
    • By nick74 14th Jan 20, 11:00 AM
    • 402 Posts
    • 329 Thanks
    nick74
    Just for info, I have a mortgage with the Leeds BS and they report to all three CRAs.
    • Ben8282
    • By Ben8282 14th Jan 20, 6:21 PM
    • 4,763 Posts
    • 2,636 Thanks
    Ben8282
    If you only updated ER in December it is a bit soon for the information to have filtered through to the CRA's yet. Be patient. Give it time.
    • DCFC79
    • By DCFC79 14th Jan 20, 7:15 PM
    • 35,655 Posts
    • 22,502 Thanks
    DCFC79
    Hi Ben,

    Itís the same for every CRA I have checked, they all have both our old addresses and not our new one? It was back in December regarding the ER!

    The lender is Leeds who I have contacted and itís not such a bad thing no but curiosity as to why led me to post
    Originally posted by Elson_Cj

    The agencies don't get updated that quick, could be end of the month before its done.
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