Credit report mystery

surgicalbear

Hi

I was hoping someone would share their wisdom with me to give me some clue as to what is happening with my experian report.

I have checked it three times in the last four months. The last two times (october and january) all my credit agreements have been listed present and currect. Today my report only shows two agreements- an old halifax current account i held and a current tesco credit card which is 4 months old. It is therefore missing my oldest and longest standing credit agreements- my barclay current account and barclaycard which I have had for 8 years and still have and my O2 phone contract which is about 5 years old. My first direct new current account is also not mentioned which I opened in october but I am not so worried about that as it has never been mentioned whereas the others always were in the previous reports but now have totally disappeared despite the fact they are all still active.

Anyone got any clue what is going on? It is a mystery to me! As there is only one active and one closed account showing it means it looks like I am using quite a hight % of credit when in reality I am using only about 20% of my available credit at any given time

Thanks everyone for your time.

SB

DarkConvict

Did you check your report from the same supplier, experian, equilifax and call credit, may/do hold different data. experian and equilifax are the main two and generally have most data on you, handy to get both reports as some creditors only report to one CRA. call credit is worth getting if you are really looking for something that is missing for the other 2.

Information maybe missing if you did not fill in your addresses for where you lived correctly when requesting it as accounts are tied to a name and address, if either does not match it won't show up.

niccatw

Are you currently still able to check it free of charge? It may just be that there was a glitch in their system and it's now back to normal. I'd check it again and contact them if the discrepencies are still there.

surgicalbear

Thanks to both of you for your replies and time.

Darkconvict yes the three times I mentioned are all with the same supplier-experian which is what puzzled me as I know that some companies do not report to all agencies. So two reports with experian do report every credit agreement and then suddenly another report from experian one month later is missing many of the credit agreements. I don't think it can be the address as my address is the same as it was for the first two reports- I have lived at the same address for quite some time. So the mystery continues!! Thanks for the ideas.

Niccatw yes I am still able to check it for free. I have a one year free offer thing on experian so all the times I have checked it have been free. Thanks for the advice I checked it again today and have just sent them of an email enquiry.

SB

davmail

Experian are useless,their advisors have not a clue,I am having problems with my credit score with them,gone down in 3 months although I have not applied for anything,and all my accounts in the Green,I have mentioned this on another thread,I am sure the data is wrong,but what can you do when its Experian Interpreting the data incorrectly.

DarkConvict

Davmail topic - http://forums.moneysavingexpert.com/showthread.html?t=2262597 (his score dropped on experian, which is a meaningless score, but it decreased as he became higher risk due to having more credit)

My advice is to give experian a call with regards to the missing data, it maybe a creditor requested it be removed, nothing more i can suggust - 0800 6569000