County Court Judgment and Scottish Decree information is captured from the original county court documents and supplied to Experian on computer tape weekly. The tapes themselves are checked for quality and the information is checked against that already held. Any inconsistencies are referred to Registry Trust for clarification. Checking credit account information Credit account information submitted to Experian by lenders is provided on computer tape or disk and is a copy of the lenders' own records. When it is first submitted, and at regular intervals, this information is subject to 50 data integrity tests to seek out inconsistencies or errors.
Lenders refresh the credit account information held by Experian monthly.
Experian ensures that updates are received on time, that the correct tapes are received and that they contain a valid number of records. The number of active records held on the Experian database is compared with the number of updates. If tapes contain too few or too many records, or if other inconsistencies are identified, the update is delayed for anomalies to be investigated and mistakes to be corrected before they reach Experian's database. Where any item of data is proved to be incorrect or incomplete the record is amended accordingly. All amendments are independently quality controlled.