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Credit report - missing accounts
scott1358
Posts: 47 Forumite
Hi,
I just checked my credit report for the first time in years with Experian and I was amazed to see what little information there is on there of previous accounts. There are only 3 accounts listed, all that I defaulted on in 2005 and had a payment plan with (I'd actually completely forgotten about these accounts).
But my current account and the credit card I have with my bank are not showing, despite the application for the credit card search by the bank showing. Up until recently I had a £1600 overdraft with the bank and even this is not showing?
Is this correct? I gave Experian my addresses for the past 6 years so this seems a bit odd to me. Everything else like electoral roll info seems to be correct.
I'm trying to clean up my credit file and I'm confused.
I just checked my credit report for the first time in years with Experian and I was amazed to see what little information there is on there of previous accounts. There are only 3 accounts listed, all that I defaulted on in 2005 and had a payment plan with (I'd actually completely forgotten about these accounts).
But my current account and the credit card I have with my bank are not showing, despite the application for the credit card search by the bank showing. Up until recently I had a £1600 overdraft with the bank and even this is not showing?
Is this correct? I gave Experian my addresses for the past 6 years so this seems a bit odd to me. Everything else like electoral roll info seems to be correct.
I'm trying to clean up my credit file and I'm confused.
Sorted out my finances...
:beer:
:beer:
0
Comments
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Could possibly that those accounts show on your equifax and or your callcredit reports. To get a full picture its best to get copies of all 3 files.A smile enriches those who receive without making poorer those who giveor "It costs nowt to be nice"0
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