Credit Report Question.

Torbjorn

Afternoon one and all,

I received my Statutory Credit Report in the post earlier in the week, and am a little perplexed (although possibly in luck?)..

For most of my life, I have held a Nationwide account (15+ years), however it has been dormant for 4 years as I have been using Lloyds instead. Now, my total debt to Lloyds currently stands at £2800, split across a CC and an overdraft (This number is decreasing! )

But, neither of these appear anywhere in the report, it lists my main account as still being with Nationwide, which is partly true I suppose.

I did read somewhere that Lloyds TSB do not always share account information with agencies, as the majority of their credit assessment is done internally, could anyone shed some light on this?

Why does £2800 of debt make no appearance whatsoever on my report.. Bear in mind that I opened my Lloyds account almost 3 years ago now.

[Deleted User]

There are three different credit reference agencies, you should check all three of them

D9

Torbjorn

Ah yes, that's good advice.

This particular report came from Experian.

Is it not necessarily the case that information from all 3 should be roughly matched?

Hannah_10

No a CRA only has the information a lender gives it. A lender may give information to 1,2,3 or none.