clearing up my file

fermi

debrag wrote: »

Femi I don't know which accounts are defaulted & which are settled as I can't see them on any of my reports online.

Just with one agency, or more than one?

Odd?

You provided previous addresses for the last 6 years when applying for the latest reports I assume?

Sometimes you have to supply previous addresses even older than that to make some accounts show up. Had that problem myself. Wasn't until I gave an extra address beyond what they say you need to supply, that the missing but still valid accounts popped up.

The accounts should be there, barring something very odd/unusual. Just a case of working out why exactly they don't show on these reports.

Just because some quirk/glitch etc means that they don't show for you, doesn't mean that they won't for a potential creditor searching the CRA.

So I suppose contact the CRA and ask why they don't show when they very probably should?

debrag

I use checkmyfile online and equifax & expedian for stat reports. I've only used my last few addresses, checkmyfile only uses my last 2 address but has linked addresses for 5+ yrs.

I shall try doing stat reports for expedian, equifax and callcredit with as many addresses as possible and see what happens

debrag

well tried equifax only able to add 3 addresses which took me back to 2009, once filled in it took me back to the login page for the members centre and I've received no email to say I have ordered anything.

EDIT: Callcredit only allow you to enter 2 previous addresses too.

I can't apply by post has I don't chave cheques and postal orders cost.

debrag

fermi wrote: »

Just with one agency, or more than one?

Odd?

You provided previous addresses for the last 6 years when applying for the latest reports I assume?

Sometimes you have to supply previous addresses even older than that to make some accounts show up. Had that problem myself. Wasn't until I gave an extra address beyond what they say you need to supply, that the missing but still valid accounts popped up.

The accounts should be there, barring something very odd/unusual. Just a case of working out why exactly they don't show on these reports.

Just because some quirk/glitch etc means that they don't show for you, doesn't mean that they won't for a potential creditor searching the CRA.

So I suppose contact the CRA and ask why they don't show when they very probably should?

Not for my latest reports no as I have been using checkmyfile for a while now and have just updated my current address as I went along.

I have too many address to add all mine for the last 6 years (8-ish) neither online or via post allow me to add more than 2 or 3.

Could creditors have moved over to exprian?

debrag

From Experian report:

So its getting better. Halifax, tsb loan + cc + bank account all defaults of July 09. Capital one with default of Sept 09.

Just barclaycard + BOS/Mbna + nationwide to sort out though think nationwide is on other report and settled.

debrag

Ah so I'm now using noodle and all my debts are on it. I have the stupid capquest as still open as well as barclaycard who sold my debt to atkiv but they have closed my account. I don't remember the date of the last letter I got from BC and I last paid them in 2009. Should I contact them and tell them to close the acount?

debrag

shall i sent my DRO info to Barclaycard? request that they close my account and settle it?

fermi

If they are still shown as not settled with something owed, then yes.

debrag

Capquest still have my account as open should I go back to them to request they again close it?

fermi

If it's not showing as settled on your credit files, then yes.