www.iva.co.uk

Hi,
I started my iva in June 2009 but completed in with a f&f in May 2011. The reason for my post is because although my defalts won't clear until 2015 my experian credit score is 999 excellent but my Equifax is 284 poor. Both accounts are up to date but I just don't get it? All help welcome. Thanks

They're two different companies Lee and both work in different ways.

The credit score is largely irrelevant anyway as most creditors use their own criteria.

Don't forget that the IVA will be on there until June 2014.

Some companies report to 1, 2 or all 3 CRA's. Default and IVA data could well have not matched on your experian details hence you are seeing what experian consider to be "the perfect score" as I guess no defaults or iva marker are showing up there.

PS. DON'T PAY FOR THE SCORE - It's worthless!!!