Credit agency - info?

drumandave

Hi I wasn't able to find the answer to my question in other threads so here Iam..

I have just checked my credit file with both equifax and check my file.com(which says it's a multi agency site?),
They both say i have the same amount of creditors and a similar score,

Now am I correct in thinking that there could be other outstanding debts I have which are not showing up on either of these agencies? - I was very reckless in my younger years with credit cards and really don't know wheter I may have any other outstanding debts which may show up on for example Experian?

I did check Exprian around a year ago but can't remember what was showing on there at that time and obv cannot use the 30 day free trial - so did not want to pay the substription if one of you lovely people could give me the answer.?


Dave

eastanglian1

I believe it's always best to check all 3 credit reference agencies.

Hazzinho

Use Experian, Equifax (£2 reports) and CallCredit (via Noddle which is free for life), checkmyfile is second hand information and a waste of time in my opinion, lenders use the agencies direct and not checkmyfile.

drumandave

Yes I have just checked with callcredit and it showed up one extra debt I had no idea about! - I have applied to experian for my file they hold on me so expectingto find one or two more !

Thankyou for you help.