my credit report doesn't show aall the debts i have

martin010

Hello there,
I just received my credit report from experian and it doesn't show all my debts.Three old debts from credit cards gone???How can I get the true credit report?Thanks

Tixy

That is your true credit report from experian.

If you have debts that do not show then there are a few possibilities

1) The creditor reports to a different credit reference agency - try checking your files at the other 2.

2) the creditor does not report to any of the credit reference agencies either by choice or because they did not obtain your permission to do so when you opened the account.

3) the account has dropped off your file due to its age. Accounts will drop off your file 6years after the date of default (if the account is in default) or 6years after the account is settled/closed.

4) the accounts were held at a different address and that address is not correctly linked to your current address.

Ben8282

I am wondering why you are concerned at 'three old debts being gone'. I would personally be overjoyed!