I have obtained my credit report from both experian and equifax together with their own scores.

The equifax was in the good category and experian in the poor category.....the only differences between the two were:

1. experian had more recent searches

2. experian does no have me down on the elelctoral roll - but experian does and they are both exactly the same address!

3. Neither have all my current credit accounts, both only have credit cards and no loans?

4. I have a CIFA entry on my experian report in someone else's name for a current account at Lloyds - what does this mean? It was very recently.

My experian score back in April was in the good category so not sure why it is not so bad?

You need to contact experian and equifax.

Companys use one or the other for searches, so may not appear on both.

And a CIFA is something to worry about. It's a Fraud warning and can stop you getting credit, or at least it won't help.

If you're suspected of credit related fraud or someone else has in your name and got caught that's why that'll be there.

You really need to find out what exactly has happened

Thanks,

Contacted experian, response as follows:

1. Because of the way the address is shown on the electoral role (no house name / number) it cannot be shown on teh online report, but any report that lenders see will confirm I am on the e.role.

2. The CIFA entry is an entry at a very old address in someone else's name - so its the address and not me and thus has no impact on me and my ability to get credit.

Do lenders see exactly what we see on our report, i.e. if a loan is showing on any of my reports from the all 3 agencies will they see this?

Some companys that do searches are only registered with either experian or equifax. I got a loan from one company becuse they only searched equifax, lucky because experian had some false information that i would have stopped me getting it. Although most searches appear on both companys records. Addresses don't normally come up on your report as it's against your name. You should get it removed. Experian and equifax can get incorrect details removed.

Hi follington21

Not all creditors provide all details of all relationships you have with them to the reporting agencies. For instance, one of my banks' provides the details of my current account but not my loan account. One provides details of my credit card, but not my current account. And some don't seem to provide any details at all.

There are differing levels of intensity with which companies use the agencies...some only use to query your file when you apply, yet some choose to furnish details of the intricate workings of your accounts. I guess it just depends on what level of service the lender has signed up with.

The CIFAS entry is a flag for fraud avoidance. When prospective lenders see this flag they are required to conduct further checks before offering you a facility.

And finally, remember that your credit score can change daily and the score that the agencies have is their own interpretation. All lenders have their own method of scoring applications so therefore your score will change from lender to lender and sometimes even from day to day.

Hope this helps.