help please - credit report questions

bluepanda

Hi everyone

I would like to finally sort out my debt problems. I have never seen my credit report before. The calls from debt collection agencies have finally stopped after me ignoring them for years. I know however searching my credit report will alert them again and the harassment will start all over.

I am prepared for this but have a couple of questions.

1. Does my bank current account appear on my credit report?

I ask this as I've always thought my bank account would be frozen one day, even though my bank is not one of my creditors. And if I do the online credit report and pay by my bank card, if my bank card isn't already listed will it then be added?

2. Reading the CRAs terms and conditions it seems to me that these companies need to separate their constituent parts. They all seem to offer advice to Debt Recovery Agencies. Will they inform DRAs themselves as soon as I log on to get a credit report, or do you trust that this doesn't happen. Their terms and conditions and privacy policy do not provide any guarantee that this info is not shared.

Thanks to any one who can help.

I know this is a tiny step. But hopefully getting the credit report means I can start. I'm just not very trusting of these CRAs and am worried my bank account which I have been using may get shut down, if they discover it or hadn't known about it until I use it to pay them for my report.

Thanks again.

fermi

1. Most bank accounts now report information to go on your report.

2. Getting your report may well alert any previous creditors to your new address/details. Either automatically, or the next time they do a 'trace' search on your precious details.

Why would the bank close your account?