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CC Debt not showing on Credit Report - DMP
amat6219
Posts: 63 Forumite
My Husband started DMP last year with CC debts with 5 companies
I have logged in today to check where credit reports are up to - MSE Credit Club and Clearscore. One of the CC debts (Lloyds - opened 2016) is showing in default but the balance not included in total on Clearscore, and isn't showing at all on MSE Credit Club.
So I have the debt total should be circa £33,600 but showing on both above as £25,255
What would be the reason for this?
I have logged in today to check where credit reports are up to - MSE Credit Club and Clearscore. One of the CC debts (Lloyds - opened 2016) is showing in default but the balance not included in total on Clearscore, and isn't showing at all on MSE Credit Club.
So I have the debt total should be circa £33,600 but showing on both above as £25,255
What would be the reason for this?
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Comments
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Not all companies report to all credit reference agencies.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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I’m in the same situation with Barclaycard, the advice I have been given on here is that the debt purchaser, PRA in my case, will open a new account for the debt which will show the balance again on my credit file. Mine defaulted in September, the account changed from showing the balance to closed and £0 but nothing since…0
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Ahh ok, I think I was secretly hoping and praying it may have been closed / WO as it is so old.
Wishful thinking!
Potentially will show again soon then, I'll keep the balance we're working with at the higher value then.0
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