How do I find all my credit accounts ?

amyguy1990

Hi I have really bad credit but am wanting to try and start paying some debts off to start to improve my credit score. How do I find a full list of all my debts? I signed up to Clearscore and also Experian but there are only a few accounts showing on there and I know over the years I have loads more debt than it is showing. How do I find a record of all debts and companies (I can't remember all companies over the years plus lots were sent on to debt collection agencies etc..) so that i can begin to contact them to settle accounts ?
Thanks in advance 

finalfantasist

If you don't have a record somewhere and they're not on your credit file there isn't any way for you to find this information.

Anyone you owe money to may come looking for it at some point so you'd just need to deal with it at that point.

sourcrates

I wouldn’t bother, accounts only show for 6 years, after that they drop off your file forever.
Anything over 6 years old is likely to be statute barred anyway.
The main credit reference agencies will show more recent debts, but short of them writing to you asking for payment, there’s nothing more you can do.

amyguy1990

Thank you and sorry for the delay in replying to you both. I will just contact the ones I have details for then and deal with any others if and when they get in contact.

DCFC79

Lenders aren't obliged to report to the reference agencies.
Your score is only seen by you, your history is whats important.

Jamesyb123

amyguy1990 said:

Thank you and sorry for the delay in replying to you both. I will just contact the ones I have details for then and deal with any others if and when they get in contact.

If you get contacted in the future by any old companies that aren’t on your file check back here and ask for advice as they may not be enforceable