Experian & Equifax Credit Report Confusion

banksshouldworry

I went BR last Jan and was automatically discharged in Jan of this year.

Now I'm getting around to cleaning up my credit reports and I've got them from Equifax and Experian. The problem is that only half of my bad debts are on there. I had around 15 creditors but only around half of those are on my report even though the others share that info with Equifax or Experian.

I started defaulting on my creditors back in late 2008 and gave them £1 token payments until going BR in 2014.

What aren't all of my bad debts showing up on my credit reports???

Confused.

banksshouldworry

fermi

Defaulted accounts are removed from yourt report 6 years from the recorded default date, so if that happened late 2008 then those that did would have removed already.

banksshouldworry

Thanks for your help fermi. That makes sense now you mention it!