Just got my credit report

pipsi_2

So today i received a copy of my credit report from Experian. A few surprises there. Firstly a CCJ an ex employer took out on my for an apparent salary overpayment, is listed as satisfied despite me still arguing that i don't owe the money and i haven't paid them anything.

Secondly a lot of my debts aren't listed, although i'm assuming it might just be because the other companies use other credit reference agencies. I'm going to order reports from the other two companies too. Apart from the CCJ my other debts look fine, i've only made one or two late payments, and the store card i have shows a detailed list of payments which are always at least three times more than the minimum payment.

Thirdly some of the pther debts i have that aren't listed, are mentioned on the linked addresses section, eg i have a HSB credit card which isn't listed yet HSBC have registered a linked address. How come my debt with them isn't listed if they have informed Experian that i have changed my address with them at some point in the past?

Fourthly, there are lots of addresses listed under the linked addresses section. Many of them are the same address but worded differently. Also there are about six addresses for me while i was at uni three of them were when i moved rooms while in uni halls. Is there any way of consolidating these addresses or getting rid of addresses that date over 6 years? There are some that are from about 10 years ago. In all there are 30 linked addresses listed, again most are just differently worded addresses which are the same house. I think this must look really bad for someone checking my credit history. I'm surprised most of them are on there as my bank statements, phone bills etc have always pretty much gone to my Mum's address since i left home 10 years ago.

If when i get my other credit reports back, there are some debts that aren't listed on any, can i just forget about them? I know of one really old mobile phone 'debt' from when my phone was stolen, i complained because they wanted me to pay the £300 bill despite the fact i had already reported the theft before the calls were made, i wrote several letters of complaint but as far as i know they never 'wrote off the debt' it was probably about 8 years ago now. Is it safe to say it's now disappeared?

BigCraigJohn

Not all debts are reported esp lower ones or ive found none of my old overdrafts are, not sure if thats to do with me giving permission?.

pipsi_2

One of the ones not mentioned is for around £800, whereas two on my report are for around £200.

I applied for credit reports with equifax and callcredit last night, i got the equifax one and there are a few more concerning things on it. The CCJ which is listed as satisfied on my Experian report isn't listed as satisfied (i think there must just be an admin error on the experian one as i still dispute the debt as it is supposedly a salary overpayment - I'm in the process of sorting this out). It shows a high number of missed payments in a row for my store card, this was due to their error when i changed addresses in January and it took them three months to send me a bill because when i rang to see why i hadn't had a bill they wouldn't do anything because i'd failed the security questions because the postcode they had was incorrect (i'm going to write to them to try and get it corrected as it was due to their error). However it does show that i make three times the min payment each month.

My student overdraft shows 3 months in a row of missed payments back in 2008, again this was their mistake, i pay a standing order into the account each month but they started adding interest a year early by mistake and the interest pushed me over my overdraft limit until they refunded the difference.

Years ago i bought a computer on hire purchase, I changed the repayment plan when the interest free period was up and actually increased my monthly payments, however they list this as two different accounts, the earlier one is noted as a default and then a partial settlement which is wrong, i don't remember missing any payments and then a couple of months later the second account is listed as starting, i'm not too bothered about chasing this up as the default was in April 2005 so it will disappear from my report in April/May 2011. The second account never missed a payment and was paid off in Jan 2007 (so three months early).

Also a credit card i had from before i was at uni has payments listed as 'Arrangements to Pay' because the uni told me i had to reduce my payments in order to receive a bursary, none of the payments have been missed and it is no longer in the arrangement and i usually make about four times the min payment each month (although the payment amount isn't listed for this debt). Will the 'Arrangement to Pay affect my credit rating at all? I guess i can always add an explanatory note to explain that the payments were restructured by the uni while i was a student because of my bursary conditions.

I couldn't get the callcredit one, it said the details i had entered didn't match my record so i needed to send a bunch of documents to them and apply by post to get my report. I think someone told me once that callcredit isn't used by many lenders, is it still worth getting a copy of it or will the two i have be enough?

pipsi_2

Just thought i'd bump this to see if anyone can help, i know i've written a lot but rather put all of the info in straight away to save people needing to ask further questions.

Thanks in advance to anyone who can help.