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Different credit reports


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Hi all. I'll try and write this out logically to make it easy to understand


I moved house last month.


I have just got a credit report from Equifax, shows me as at my previous address and contains all my current agreements, passed defaults and past addresses.


I have also just got a credit report from Experian (credit expert). They show me as at my previous-previous address and a fantastic credit score, only showing an old mortgage, mobile phone and Halifax bank account, all in great green condition until closed years ago (the latter still monthly green though in reality its dormant). These 3 accounts are shown on the Equifax report mixed in with the rest.


I have told experian my new addres, not mentioning my recent previous address (where all my bad debt is registered to). Experian don't even have me on the electoral register at this address, even though Equifax can see I've been on it for 3 years!


All defaults are 3 years with no activity. Although one bank account has been showing as 6 payments missed every month for the last 3 years instead of defaulting! All but one default are all Barclays overdrafts (7) which they suddenly demanded instant repayment after seeing I'd switched bank accounts, can't they be combined?


I don't know what to do for the best.


Merging them seems correct, but I'm desperate for a clean credit file so I can put my adult life in order. All the recent things I've done are showing up on Equifax, but according to Experian I've done nothing in 4 years.


The only place my bad address shows up with Experian is where stupid Lowel do a search (18 of them in the last 6 months!!) and a linked address to the mortgage, despite this being cleared before I lived at any of these addresses. Can I become the Experian person and pick up where I left of 3 years ago? Why is nothing from my previous address showing up there, when Equifax have got it all?


Which one are the credit companies using? I can't even get a proper bank account because of my credit. Just have a £150 limit Vanquis. Should I give Halifax (who are showing on Experian) my new current address and start using that, or will that tie me all together as Equifax know about Halifax. What to do....



Any advice?



Edited by nomoremoney
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