experian credit report??

eagles12

having just received my experian report i am a little confused.

i was declared bankrupt in oct 01 with 3 or 4 large debts on loans and credit cards, since then i have managed my finances well but with nothing on credit apart from telewest which updates experian.

now i fully expected to see defaults from these on my report but nothing?

thanks

rog2

Perhaps they just haven't bothered to register any defaults. I wouldn't do anything.

Bells&Whistles

I think (but not 100% sure) that there are two credit reference agencies and its beneficial to get both reports as some things may be on one but not the other I think its Experian and Equifax which are the two main ones...

eagles12

but nothing on there regarding bankruptcy either, thought that and the defaults would be still on is that correect?

mrsbez_2

I've received my credit reports from both equifax and experian. I had a CCJ in feb 2002 and a couple of small defaults in 2001. All paid and everything up to date now.
Equifax report shows everything on it, CCJ and Defaults, Experian doesn't show CCJ or defaults, in fact its a great report. I'm not sure why this is but i'm not going to argue. All should be wiped off equifax by 2008!!