Apparntly i Owe Money

chris34720 · 5 May 2011 at 8:00PM

Hi

i have never had any credit the only things that go out of my bank account on a monthly basis are orange & virgin media

I went to take out an ipad yesterday on finance and i was declined by comet and 4 other companys

I have never had problems with taking out contracts etc so i thought whats going on here so i went down to my bank and they said everything is fine this side.

So i did an experian report which gave me all my financial information and credit score, apparntly it says outstanding debt £96 i have no clue what this is and how long its been there as i have not taken out anything in a while.

Back in march i was made redundant and struggled to pay my iphone contract as i had more important bills to pay with my job seekers allowance.

but i cancelled my direct debit and managed to pay my bills before i was actually cut off.

experian will not tell me who this debt is from and my credit is in the very poor category for some reason

how can i find out theres got to be a mistake the only problems i had was with the bank santander putting me into an un arranged overdraft which i had to keep paying up would this have anything to do with it

Thanks

rising_from_the_ashes · 5 May 2011 at 8:04PM

Hi, your credit report should show the information against each bank / lender etc - it should therefore show which company the amount is against, the date of any "missing payments" etc.