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Help - credit report not showing debts
jha
Posts: 1,095 Forumite
Hi all,
I am wondering if someone can help me. between 1997 and 2001 i ran up an awful lot of debts (about £15,000) including student loans. I thaught i would take courage and look at my credit report tonight and try to pay them off following Martin's advice about paying off debt first then saving - having learnt so much already from this site.
I typed in all my details correctly and included my maiden name etc but theres only one debt showing for around £400.00 which i agreed to pay off this year and all the others have gone with a credit score of 888 out of 900!!:eek:
I feel awful, have i done something wrong how can i pay them back if i have kept no paperwork and they are not showing up?
I am wondering if someone can help me. between 1997 and 2001 i ran up an awful lot of debts (about £15,000) including student loans. I thaught i would take courage and look at my credit report tonight and try to pay them off following Martin's advice about paying off debt first then saving - having learnt so much already from this site.
I typed in all my details correctly and included my maiden name etc but theres only one debt showing for around £400.00 which i agreed to pay off this year and all the others have gone with a credit score of 888 out of 900!!:eek:
I feel awful, have i done something wrong how can i pay them back if i have kept no paperwork and they are not showing up?
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Comments
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It could be that as the debts are more than 6 years old they have 'fallen' off your credit report.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Yar debts can, under certain circumstances become unrecoverable after 6yrs...The size of a glory hole in an open pit should not be greater than the cross-section of the haul trucks that dump into it. Otherwise, you are bound to lose a truck, sooner or later. Source: Sergio Cha
I'm sorry for the demon I've become but you should be sorry for the angel you are not.0 -
You should get both Equifax and Experian's credit reports as they sometimes show different debts. Also the credit scores are meaningless, just a way to get money out of you.Declutterbug-in-progress.⭐️⭐️⭐️ ⭐️⭐️0
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