Missing creditor on my credit report (Noddle)?

changeforbetter

Hi All,

I've finally got around to checking my actual credit report using Noddle, thanks to some great advice (thanks DMP posters and sourcrates in particular) to do so for following my DMP progress across all my creditors!

One odd thing though, one of my debts (Originally with Tesco Bank CC, then moved to Wescott I believe now) doesn't show up in the list under Credit Cards.

All my other cards and accounts are there, even the CC debts that were now managed/bought by a DCA are on there, apart from that one.

Just wondered, is that normal or something I should do something about, and how if so...?

Many thanks for any advice!


(ps. great to see all my other debts did indeed default for the CCs though, something discussed earlier).

Naf

Noddle only checks your file with one of the CRAs (CallCredit, I think?), to get the full picture you need to access your file with all three.

Lenders don't necessarily report to all three; nor do all lenders check all three; so you often find some accounts arent on all of them.

sourcrates

Hi again,

There are three credit reference agenciesn in the UK.

Noddle (call credit)

Equifax

Experian

Creditors can report to any one of them, or all three, its best to check all three agencies.

You can get a £2 statutory report from the other two off there website.

Don't sign up for there free trial offers as its a pain to cancel.

National_Debtline

Hi

Naf is right that Noddle only shows information from Call Credit. Check your files with Experian and Equifax too for the full picture.

If you defaulted on the debt over 6 years ago it would no longer show on your credit file with any of the agencies.


EDIT - cross posted with sourcrates

James
@natdebtline

changeforbetter

Thanks for the advice, much appreciated - had presumed all would be on any credit check, but seems not.

Will look at the others in that case.