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debts not on credit file.
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kimplus8
Posts: 994 Forumite
I am finding it really hard to find some of my debts as they are not appearing on my credit file, is this normal, I am aware some have been passed around DCA's several times but I know they are not yet statute barred, ive placed them on my DRO application but I cant actually find any evidence of them at the moment???
Any suggestion as to how I may find them to get outstanding amounts ect???
Any suggestion as to how I may find them to get outstanding amounts ect???
Just a single mum, working full time, bit of a nutcase, but mostly sensible, wanting to be Mortgage free by 2035 or less!
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Hi
There are three main credit reference agencies in the UK and sometimes debts are only registered on one or two. It's best to check all three files to get the full picture.
The three credit reference agencies are Experian, Equifax and Call Credit. You can request a statutory copy of your credit report for £2 from each of them.
James
@natdebtlineWe work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps0 -
Best to check all thre CRA's, they will be there somewere.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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