Credit report - missing accounts

scott1358

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.

Tixy

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.