Confusion over credit report

Gemsypoo85

Hello, I was wondering if anyone can help me, I am currently with a debt management programme (I know complete money suckers) and I am now looking to end this and deal with my debts by myself, I have contacted all my lenders that are listed on my credit report and the ones that are listed on my debt management plan, but they differ quite a lot and I am confused.

I have looked on Equifax, noodle and experian and they all say the same thing in regards to my lenders, one particular account is showing as closed and settled on all 3 reports however this is one of the company's listed on my debt management programme and has come back to me saying I still owe them money?
I am unsure what to believe?

Someone help me ppllleeeaassseeee. These things are so conflicting.

Thank you
Gem

fermi

Credit reports do not always show everything, or when they do it is not guarentee to be up to date or correct. Things can be marked as settled due to a debt being sold on for example. Does not necessarily mean nothing is owed.

Ask for a statement of account from each lender.

If they refuse you can make a legal request for one.

https://www.nationaldebtline.org/EW/factsheets/Pages/39%20EW%20Credit%20agreements%20-%20getting%20information/Default.aspx