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Experian Help
chriswillis1981
Posts: 5 Forumite
I renewed my experian account 2 days ago (i must have done a free 30 day trial years ago and forgot cos i now had to pay for it) i paid to see my credit report and i paid to see my credit score.
A few points though.....
First. It says in the last 12 months i have had 0 searches, well BT told me they would search when i opened an account 6 months ago, also i have an outstanding balance with a debt collector (out the blue but now being paid off, but no sign of it on my credit report) and i also now have a credit card with Vanquis, my first in 6 years after bankruptcy, again NOTHING on my file.
Any ideas why my credit report is basically empty apart from linked address's?
A few points though.....
First. It says in the last 12 months i have had 0 searches, well BT told me they would search when i opened an account 6 months ago, also i have an outstanding balance with a debt collector (out the blue but now being paid off, but no sign of it on my credit report) and i also now have a credit card with Vanquis, my first in 6 years after bankruptcy, again NOTHING on my file.
Any ideas why my credit report is basically empty apart from linked address's?
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Comments
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WHat if BT are only using Equifax? Have you checked Equifax and Call Credit?
Is that debt collector one over 6 years old? If so it wont show on your report. Again it might be on one of the other twos files.
And the Vanquis one could be on the other files too.I refuse to be afraid of the big bad wolf, spiders, or debt collection agencies; one of them's not real and the other two are powerless without my fear.
(Ok, one of them is powerless, spiders can be nasty.)
As of the last count I have cleared [STRIKE]23.16%[/STRIKE] 22.49% of my debt.
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Here is a rough list of who uses who. https://forums.moneysavingexpert.com/discussion/2419785
Reporting data is optional so not everything may show in any of the 3 files.
Its best that you just get the £2 postal reports instead as its cheaper.Although no trees were harmed during the creation of this post, a large number of electrons were greatly inconvenienced.
There are two ways of constructing a software design: One way is to make it so simple that there are obviously no deficiencies, and the other way is to make it so complicated that there are no obvious deficiencies0
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