Credit report agencies and missing creditors
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dundermifflin
Posts: 29 Forumite
I was discharged from BR earlier this year and will soon start to look to clean up my credit file/report. I know there are several with the main ones being Equifax, Callcredit and Experian.
Before I went BR I had over 25 creditors. Having looked at my report on all three of Equifax, Callcredit and Experian, at least 5 of those creditors are missing from all of them.
For example, Equifax shows 18/25 creditors on my report, Callcredit shows 19/25 and Experian has 20/25 showing.
What I want to know is...
Should I care? Is there another agency that creditors may use in future that I don't know about? If all of my creditors shown on these agency sites are shown as satisfied, should I be chasing up the 5+ that aren't shown on any of those sites or does it not matter as they aren't showing up on any of them?
I'm just concerned that, even if I "clean up" my file on all three agency sites, that because 5 or so creditors are missing from all of them that it will come back to bite me.
I guess it's worth mentioning that one or two of the creditors went into liquidation years ago which might explain why they aren't on any of the files, but I know at least 3 of them are still running.
Before I went BR I had over 25 creditors. Having looked at my report on all three of Equifax, Callcredit and Experian, at least 5 of those creditors are missing from all of them.
For example, Equifax shows 18/25 creditors on my report, Callcredit shows 19/25 and Experian has 20/25 showing.
What I want to know is...
Should I care? Is there another agency that creditors may use in future that I don't know about? If all of my creditors shown on these agency sites are shown as satisfied, should I be chasing up the 5+ that aren't shown on any of those sites or does it not matter as they aren't showing up on any of them?
I'm just concerned that, even if I "clean up" my file on all three agency sites, that because 5 or so creditors are missing from all of them that it will come back to bite me.
I guess it's worth mentioning that one or two of the creditors went into liquidation years ago which might explain why they aren't on any of the files, but I know at least 3 of them are still running.
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Comments
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There are only 3 that you mention, there are 2 freebies which are noddle and clearscore but they are just a free version of call credit and equifax respectively.0
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There are only 3 that you mention, there are 2 freebies which are noddle and clearscore but they are just a free version of call credit and equifax respectively.
But what about creditors that don't appear on any of the 3? Should I forget about them?
Like I said in the OP, I have 5 creditors (out of 25 that I recall) that don't appear on any of the 3 credit agencies - will them not appearing have a negative effect in future or should I just consider it as if they don't exist?0
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