Experian, Equifax and Callcredit.

steve0106

Will any and all monies I owe be listed with these 3 credit agencies?

{Background}
In 2009 I lost my job. I didn't deal with this very well and it had a domino effect on my life. I took bad advice and made worse decisions. I lost my house through not paying my mortgage and generally buried my head in the sand and sort of hoped it would all blow over. I don't need to be told that this was a poor decision! It's taken me a while but I've sorted through a lot of my situation and now I am ready to tackle the big one that is sorting out my finances. I'm now at a point where I need to know who I owe money to and how much I owe them. I've had a few different addresses and kept very little by the way of correspondence so I'm starting from a position of knowing that I owe far and wide, but not knowing any of the finer details that would enable me to sort anything out.

Any advice would be appreciated.

[Deleted User]

Potentially not - only way to tell is to get a report from all 3 agencies (free trial and cancel it, or the £2 statutory ones)

If you're lucky some defaults won't show across all 3. Chances are though the problems sound so widespread that you will have at least one bit of negative info on each so the benefit of it missing on some won't matter.

You're on a record reconciliation process rather than gaming the system (e.g.tactical applications) so you need to check all 3

Clearscore (Equifax) and Noddle (Call Credit) are free for life. So you only need to pay £2 for Experian and you can get a complete picture.

steve0106

Thanks for the reply

Perhaps I was a little unclear - I did mean to check across all 3, my query should perhaps have stated "is everything listed on at least one of those"...which I believe you've answered anyway :-)

Jamie_Cortez

Having just trawled all three services for our mortgage application, i can confirm all three are different (in our case wildly).

DCFC79

Maybe everything will be listed on just 1 as lenders etc don't report to just 1 agency but maybe 2 or all 3. Get yourself on the electoral roll, be easier for the agencies to find you.