But no one applies for credit from Experian, we apply at a bank and give THEM our personal and financial info, the bank uses the information we have given them then checks a persons credit report for identity and how credit worthy we are based on our past behaviour elsewhere. I think Experian and others should be honest with their customers and update their literature about the extra information they hold about us, it doesnt matter that another lender cannot see this extra information - by the way let me guess who can see this extra info apart from Experian............Government departments maybe?

I'd be interested in the answer to this too, I've just read the first line of my experian report again and it states 'Thank you for your recent application for a credit report. This includes all the information that we hold about you at the addresses shown on page 2 of your report.' Well clearly not 'ALL' if what the OP has discovered is common practice.

http://www.experian.co.uk/assets/consumer/downloads/resources/myths-oct11.pdf well according to this Experian should not hold records of (for example) a persons employment status..

Hopefully this - I have no intention of appliying for an overdraft increase or credit limit change over the next 5 weeks (or after that as well ) so hopefully they (NatWest) wont re-check my report. If hypothetically they did then they will wonder how on earth they originally granted me a normal current account and a credit card just a few weeks earlier because that last default which has magically just reappeared on my credit report was a bad one. Just can't understand why Hoist suddenly put the default back on my credit report again after a gap of 10 months (I thought they had forgotton about me!) - and just 7 days after I opened my new accounts. Still it will only reappear for another 5 weeks because the default date was 30/10/08. One other thing and the reason I posted is that i've read on moneysavingexpert forums that some banks (Lloyds) get a monthly feed off the CRA's and adjust their existing customers internal ratings accordingly, I hope NatWest dont do this.

Hi thanks for the replies. Those two defaults dropped off and my report became excellent (or so I thought!). But I had 3 defaults overall in 2008, the first two went off my file in July and early August respectively as explained during this thread. The reason I have resurrected it after 7 weeks is because back in 2008 there was a third default applied to me this time by CL Finance on 30/10/2008 (Passed to them from Barclaycard), this was passed from CL Finance to Hoist Portfolio at the end of last year about 10 months before the default was due to drop off - however whereas CL Finance reported to the credit reference agencies each month so any lender could see the default Hoist Portfolio have never reported it since they took over so even though I had three defaults overall only the two (earlier in thiis thread) showed up this year until they dropped off. my credit report was now clear.... at the end of August I applied for a proper bank account with NatWest with a small overdraft and cheque book and a credit card and I was accepted for both, this was on 30th August. I have just checked my statutory credit report from Equifax tonight and a search was undertaken by RBS group and NatWest card services on 30/08/14 Hoist Portfolio have suddenly updated my report on 06/09/14 after showing zero interest in my report since the end of last year and I now have a big fat red default on my report again it is no longer clear (It was clear for about a month!). Now its still within the six years since the default they are within their rights to ressurect the default again until 30/10/14 and I know its only another 5 weeks to go but I find it strange that since hoist took over the debt late last year the debt had disapeared from my report only to reappear 7 DAYS after I finally get a proper bank account again, is this just a coincidence or is it someone being a bit vindictive at Hoist - checking my report , seeing i've been allowed credit at NatWest and then muttering to themselves "Who does he think he is, owing us money and getting credit again before the six years are up - we'll put that default back on his report and maybe Natwest will notice and close his new accounts or downgrade it to basic hahahaha" My question - Are my new accounts safe or do banks check your report again after the initial checks at account opening? Dont forget at the point of opening the accounts in that month window my report was excellent and default free for the first time in six years but for the next 5 weeks its got a single nasty (and I mean really nasty) red default again.

Yes i'll do the £2 experian one but wait until next week after 05/08/14 when a default is due to drop off, I believe from what i've read that experian really do get rid of defaults on time. My 30-day Equifax trial has still not updated from 27/07/14 so still showing the earlier default though as you say lenders should no longer see it. I've tried the free Noddle one but they can never verify my identity even though i'm on the electoral roll and have been at the same address for 40+ years, have valid cards (debit card/aqua credit card - Important during registration) and have had no problem in accessing my Equifax/Experian reports in the past.

Yep on this new report generated for me yesterday it has ALL gone.

Tuesday the default was still showing so I queried it using the online 'ask a question' facility on my account, I got a reply saying they had removed the default off my account and sent me a free snapshot of my report dated 29/07/14 (effectively a free statutory) with that default now missing. Disappointed I had to prod them. surely they did not need to send me a free updated snapshot of my report as on Sunday (as I explained earlier in this thread) I ordered the free 30-day credit report+score trial which i'll cancel before the 30 days are up - I thought this product would automatically update when changes happen but when I click on this 30-day trial product I get a snapshot of my report when I ordered it (27/07/14) which still shows the old default. So this £14.95 product is obviously not an evolving, real time product that updates every day then? Does this product not generate a new updated report each day? If not when my next default is due to drop off on 05/08/14 I will have to prod them again and be sent another 'free' (Bless them) statutory snapshot?

I have ordered the Equifax credit report/score free trial version (£14.95 after 30 days - I'll cancel before then)- am I correct in assuming this will update automatically during the month if something changes (eg A default drops off) unlike the statutory one which is just a snapshot of the day you order it which you can still view for 30 days?

Thank you for the reply. I did two seperate orders for my statutory credit report so two lots of £2.00 spent and two seperate snapshots of my report 9 days apart - one on the 18/07/2014 a day after I expected the default to drop off and another one today which is 10 days after I expected the default to have dropped off, as I explained earlier i've since read that Equifax can be a bit slow and its normally upto 2 weeks (wasted £4.00 in the meantime). The thing that has annoyed me today though is the ever so slight change in the default date even if its only by 4 days - someone has obviously made the effort and has the power to change it? If so why? Anyway i'll check again (Another £2.00) on Tuesday or Wednesday or think about the free trial. I have got two more defaults to drop off on the 05/08/14 and 30/10/14 when my report should be clean at last so am interested in how they deal with this first one. Thanks again.

I defaulted on one of my credit cards on 17/07/2008. Over the last year I have purchased my £2 statutory credit report from Equifax a few times (Jul'13, Nov'13, Apr'14) and each has shown the same 17/07/2008 default date for my credit card. Last week I purchased another report on the 18/07/2014 expecting this default to no longer show but despite the report being a 'snapshot' of my report 6 years and one day after the default it was still showing. Not to worry I thought as a search on the web has shown that Equifax dont normally knock defaults off until 1-2 weeks after it should have. Just checked my report again today 27/07/2014 not only is the default still there but they've sneakily moved the original default date over 6 years ago to a few days later to 21/07/2008 (should be 17/07/08). I thought the default date was immoveable? Can they keep shifting the default date at will? By the way I have pdf copies of my previous reports on my hard disk showing the original date.

I'm not sure about Notice of Assignment but I have copies of my statutory credit reports from both Experian and Equifax which I ordered in June this year - both of them list CL Finance and Cabot as the holders of my two other credit card debts (Originally with Barclays and Halifax respectively) which I also defaulted on in 2008 as well but it still shows LloydsTSB as the holder of my Lloyds debt - no mention anywhere of Robinson Way.

Thank you for the replies. I am not allowed to link you to the relevent part of the Lloyds/TSB transfer T&C which were published recently but I can paste it below - The right to use money between accounts - known as ‘set-off.’ There are some circumstances when we have the right to use money you have deposited with us in a current or savings account against a debt you also have with us, such as a credit card, loan or overdraft. This is known as ‘set-off.’ We also currently have the right to set-off against money you have with Lloyds TSB Scotland and vice versa. Once TSB is a separate bank, we will no longer have the right to use money you have in your Lloyds TSB account to pay money you owe TSB and vice versa. We will only be able to use our right of set-off between accounts you hold with Lloyds TSB. I should be safe to get my benefit payments directed to my new TSB account based on the above but just to be on the safe side I think i'll keep them getting sent to my NatWest account for now until TSB becomes completely independent from Lloyds next year.

Hi, thanks - no PPI or anything. I too find it difficult to believe they wont be tempted to off-set but in their recent T&C it clearly states(imo) they wont. I forgot to ask - Do debts passed on to collectors now belong completely to the new owners (Robway) or are the original holders (Lloyds) still lurking in the shadows behind them ready to pounce when silly fools like me sneak their way back to them a few years later via TSB?

Hi I defaulted on my LloydsTSB Mastercard back in late 2008 (I lost my job of 15 years a few months before), I paid the minimum £1.00 a month until summer 2010 when my debt was passed on to Robinson Way and i've continued to pay them £1.00 a month and still do. During this time I was diagnosed with Parkinsons and Type1 Diabetes and a few other things (Leg amputated) and am surviving on only sickness benefit. My local LloydsTSB which is literally about 50 feet from my front door has recently been converted to a TSB branch I decided to take the plunge and apply for their basic account because i'm tiring of travelling into town to the nearest NatWest atm where i've banked since I left LloydsTSB or the nearest Post Office to draw my money out. This is a question about the right to set off between accounts. Can Lloyds raid my TSB account to pay towards my old credit card debt? Do they even care about the debt anymore since they passed it on to someone else? According to page 5 of these recent Lloyds/TSB transfer terms and conditions they have waived the right to set-off between the two 'new' banks even while they both remain within the same banking group - and next summer TSB should be entirely out of Lloyds Banking Group altogether when it is floated off. Am I reading this correctly or should I still use NatWest for my benefit payments at least until TSB is totally independent. Thanks for reading.