Experian Question

psycrow57

Hi all

I;ve just got my details through for creditexpert.co.uk and I'm a little confused.

When I go to my report centre, which section should show all the details of my former debts?

I'm assuming it should be under 'Account Information' but this is completely blank - no details whatsoever.

The only thing on there is the listing of my bankruptcy.

Any ideas? I was under the impression it should still show all the debts that were dealt with in the bankruptcy, but show them as settled.

Thanks!

tigerfeet2006

It might be that none of your creditors never reported to Experian so they are not on there or the debts are more than 6 years old so have dropped off. You need to get your reports from all 3 agencies.

boggie40

i am just at this stage now after being discharged on 2'nd of oct.
am i right in reading that i have to get my reports from all 3 of the reference agencies ?

i have got my report from eperian who i paid £5.99 for this privelige. when i went onto the equifax site they want £11.99, and i have not even tried the third one yet...
so we have to get our reference files from each of these - this is a license to print money. whats stopping another 5 firms setting themselves up as credit reference agencies, would we have to pay to get our reports off these also ?
seems like a bit of a scam to me, and another quango or cartel of companies..
can we buy shares in these companies ??

tigerfeet2006

Have a read of Martins article

http://www.moneysavingexpert.com/banking/credit-rating-credit-score

Scroll down to check your credit files for free

boggie40

thanks for that, too late for me as i have already paid one of them, but at least it save me the cost of the other two......

typical of me no wonder i went bankrupt - but there is so much to read on here and nearly all of it relevant and useful.