My debt free journey

frenchplonka

Hi guys long time lurker not really posted here before regarding debt and credit reports but hopefully you can give me some advice.

I paid the £2 fee to get a report from Experian it came back with 3 debts

* £179 to EE default date 22/10/2014

* £595 to TSB bought by MKDP LLP default date 18/02/11

* £3 to TSB currently overdrawn by £80 not sure what this is tbh

So my first port of call was to pay the debt to EE I called them and found this was sold to lowell so was advised to call them I quoted the account number hoping to come to a monthly settlement when they told me they have a further 5 cases for me 3 more for orange/EE and 1 for Three Mobile and another for Provident finance loan.

I knew about these and was not going to deny them BUT why were they not showing on my credit report from experian? Most don't come of till 2017/2018 either which is fine as i'm now going to stop burying my head in the sand and get them sorted once and for all just wish I could see them on my report as obv my file must look shocking.

With regard the debt to TSB for £595 I rang the company regarding this and they have no details for me or that debt what now?

I also have a letter from CRS ( Credit Res Soultions ) for a payment of £382.64 for non payment of a gym membership.

why is this not on my report?

Anyway I have took the bull by the horns and agreed a plan with the Lowell and CRS for a combined payment of £50 a month to clear these debts roll on 2018!!!!!

[Deleted User]

not all companies report to all CRA's

Newme2014

You'd need to check with all the credit reference agencies to get a full picture, it would be so much easier if there was just one central report but unfortunately different companies use different agencies