Debt not on credit report?!

Aimsleey

Hello, looking for a little advice from you terrific folk who seem to know everything about everything!

I just got my credit report from the free trial at Equifax and am very surprised that a few of my debts are missing. A few are being paid through DCAs and there are a few that are with DCAs but not currently being paid, all were sent letters last week questioning the enforcability of them. I probably should have got my credit report first but as our house is a brand new build they had problems finding my address on the system so my order was just processed yesterday. I thought that a few of the ones that I'm not paying may have been close to being SB'd so I thought that this may be the reason for them not showing up, but I've just realised that one I'm paying to 1st Credit isn't even on my report.... can anyone shine a light as to why this could be??

Many thanks

Tixy

Hi

You also need to check Experian (and possibly callcredit- but I'd do experian first), you might well find some are on experian that are not on equifax. Some may have no updated entries for 6years so have dropped off (eg if they were defaulted 6years ago).

Also there could be issues with the DCAs not having the correct address, so some more may appear over the next month or so.

Aimsleey

Thank you! I just tried to do Experian but it says I already have an account, and now vaguely remember doing it years ago, but I have no idea what the login details would have been for it! Hope it updates soon cos I plan to cancel before the 30 day free trial ends

Tixy

For the experian one (or for an equifax one after the 30day trial) you can order the £2 statutory report at any time if that helps?