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In a trust deed - just checked my statuatory credit report.....need advice!
Right as the title says i'm in a trust deed (started on 12/6/08) and I have just checked my credit report with both Experian and Equifax.
Now when I checked with Experian they only had information about my current bank accounts and an old mobile contract that I cancelled. Absolutely no information about any previous credit I had taken or anything about the fact i'm currently in a trust deed.
So that's why I checked with Equifax to see what their report was like. This one was more in depth. It has ALL BUT ONE of my previous debts.
However there was still no mention of the trust deed and also I noticed a few discrepencies with my report.
Here is a list of my debtors that are included in my trust deed and what it says on the equifax report about that company:
Lloyds TSB Loan - SETTLED 26/9/08 ????
Lloyds TSB CC - DEFAULTED 23/12/08
Barclaycard - not on my report
Cahoot - DEFAULTED 5/12/08
Goldfish - (assuming this is the one showing as Liverpool Victoria Loans?) IN ARREARS since 06/08
How can the TSB loan be settled when its in my trust deed? Why have LV not defaulted on an account that hasn't been paid since June 2008? Why does my Barclaycard not show on my report?
Also can I send the template letters to the companies who have defaulted me and request that they amend the date to be in line with my trust deed?
What do i do????? :think:
Now when I checked with Experian they only had information about my current bank accounts and an old mobile contract that I cancelled. Absolutely no information about any previous credit I had taken or anything about the fact i'm currently in a trust deed.
So that's why I checked with Equifax to see what their report was like. This one was more in depth. It has ALL BUT ONE of my previous debts.
However there was still no mention of the trust deed and also I noticed a few discrepencies with my report.
Here is a list of my debtors that are included in my trust deed and what it says on the equifax report about that company:
Lloyds TSB Loan - SETTLED 26/9/08 ????
Lloyds TSB CC - DEFAULTED 23/12/08
Barclaycard - not on my report
Cahoot - DEFAULTED 5/12/08
Goldfish - (assuming this is the one showing as Liverpool Victoria Loans?) IN ARREARS since 06/08
How can the TSB loan be settled when its in my trust deed? Why have LV not defaulted on an account that hasn't been paid since June 2008? Why does my Barclaycard not show on my report?
Also can I send the template letters to the companies who have defaulted me and request that they amend the date to be in line with my trust deed?
What do i do????? :think:
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