Credit files very different and missing debts

mjkent

Hi all,

I am hoping someone can help me understand my credit file / history.

So more than 6 years ago I started a DMP. This finished in July 2016 but apparently I still owed £17 to Lloyds for an overdraft debt and £1700 again to Lloyds for a loan. When I spoke with Lloyds about the £1700 debt, they said they are not willing to discuss it as it is a debt collector that is dealing with it. I think it was passed to a debt collector before I started my DMP.

Anyway, I recently checked Noddle and it shows a 'very poor' credit score, but no outstanding debts.
So, I checked Experian and it says I have a good credit score of 964 (out of 999), and again no debts.

The two Lloyds debts do not even show as past debt in my history. Why is this? I have been making regular payments through my DMP. None of my DMP debts show in my credit file history.

I applied for a Barclays platinum card yesterday (To test my credit score), and I was accepted! for the first time in years!

If anyone can help I would really appreciate your comments.

I am confused as to whether or not I still owe Lloyds any money.

Thanks in advance.

Mike

SusieT

Were either of the Lloyds debts included in your DMP?

If yes, ask the DMP provider why they are not cleared

If no, it sounds as if they may be statute barred now (6 or more years since any payment or aknowledgement) and if they are you can send the statute barred letter and will hear nothing more for them.

They may not be showing as any defaulted accounts will come off your credit file 6 years after they were added and the account will not show any more. Once an account is defaulted it cannot be defaulted again and reappear.

National_Debtline

Hi

Defaulted accounts only stay on a credit report for 6 years and then come off completely, as SusieT says.

It’s also worth checking your Equifax credit report information on www.clearscore.com

James
@natdebtline

ashp_2

Lenders sometimes report to different CRA'S. So what shows with 1 may not show with another. You can sometimes use this to your advantage when applying for credit. This is why it's important to check all 3 reports before applying for credit. A quick Google will show you who reports to who.