Trying to understand my situation !!

kaazza

Since joining this site a few days ago,i have trawled (is that the right word) through lost of threads,tying to make sense of my own situation,but think i am confusing myself .
So if i give you a run down,could anyone correct me?put me straight please.
Ok..went on my credit report,Experian & Equifax..and some of the debts i have been paying ,to DCA's,are not on there.
1.Original debt,Citicard :£928.Not on reports.Agreed with Capquest last august to pay £5.00 p.m.which i have been doing.So i guess i just bumble on paying this at the same rate,no pressure.
2.Vanquis £787.Entered on file as default by Cabot April 2008.I have not been in contact with them at all,thou Ruthbridge did write to me last august,but i still have not communicated.Should i ?
3.this one is very confusing to me..Citi financial loan,about 8 yrs ago £2500.Put as a default by 1st Credit,april 2008,balance of £4,343.There is no record of any payments by myself on the file,but i have been paying Mackencie Hall £25 a month (sparodically) for 2yrs on this debt, ,though Mackenzie Hall is not on my credit file.Does that mean,i can carry on as i am,paying M.H.and then in 2014 the 1st credit will disappear off my file.If this is the case,my report will improve sooner than i thought.
Can anyone help..Thankyou if you can

kaazza

Please anybody..have i got my facts straight..or am i completely stupid !!

camuk81

Ok you may be right not all of them are reporting. There are 3 credit agencies/

I think the key thing is the payments and when you last paid. I don't know if this could be classed as acknowledging you debt

kaazza

Thankyou so much for replying :-)..its this 1st Credit/Mackenzie hall thing i don't get..my understanding is in 2 yrs time,the 1st credit will be gone off my report..but i still carry on paying Mackenzie hall,until its paid up,without it being on my file !!! so confused.....

kaazza

Is there any one else who knows what could happen with this debt,regarding my credit report..would really appreciate any advice !!
Sorry am i boring every one..being on here is the first time i have opened up about my debts..ive kept it from all my friends and family,so some feed back would be so good for me !!