Not all debts showing on credit report

TotallyBroke

Hi, I have a loan that is almost due to finish but it has never shown on my credit report. Should I get it on there. Especially as I have never been late with the payments (not like other loans I have) so could this improve my score slightly.
Is it best to have everything on there
Thanks

Lorne

Different debts appear on different reports, for example our Barclays loan does not appear on creditexpert but does on equifax. It will appear on a report somewhere so I wouldn't worry, I also wouldn't be chasing for it to appear on my report as the amount of debt you have can affect your score.

immoral_angeluk

Have you checked all 3 reports? Equifax, experian.. and callcredit?

TotallyBroke

It's not showing on my Credit Expert file, I'm at work so don't have my Experian file to hand but don't remember seeing it there. I've also checked callcredit via check my file and it is not showing on there either.
But if it's better not to have it on there then fine. I just thought that as I have not missed or been late with a payment it might look good against the couple that I have been late with.

oscar52

Can I take a wild guess that this is a Natwest loan??

Reason i say this is my Natwest Credit card doesnt appear on any credit report.

TotallyBroke

No it happens to be a Clydesdale loan that is now Barclays Partner Finance.

StopWhining

Barclays Partner Finance use Experian.