Help understanding my credit report

martlewis

I recently got my £2.00 credit report after being turned down for a new mortgage. It doesn't show any creditors issuing defaults or any missed payments yet I know there are 2 accounts in default.

Is there any way to work out which accounts are causing problems, who they are with and how much owes etc? It just deosn't make sense that to look at it on paper all seems well.

Sparkle85

I have a similar problem. Getting hassled by MackenzieHall for a debt from Lowell so I paid for my credit report online through Experian and have no such debt? I hope we can figure this out OP!

martlewis

Still confused over this one. Apparently I have defaults against me but my credit report says zero defaults. can anyone shed any light please?

Barricade

It may be purely coincidental who you have recieved your credit reports from.

Not all companies report to the same agencies. So what may appear on Experian, may not appear on Equifax.
If your statutory report is from Equifax, I'd also sign up for the 30 day free trial at Experian, and look further at previous addresses etc.

Also look at financial links. Joint accounts etc.

If you sign up for the 30 day free trial, remember to cancel before the 30 day, to save you money!

AndyLGR

I too ordered my free credit report on experian and it does not show my mortgage, which 3 years ago had a ccj for mortgage arrears. So maybe they dont report to Experian.