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Debt not showing on credit report

lisabell
lisabell Posts: 147 Forumite
in Debt-free wannabe
Hi

Have just started going through the process of an iva and requested my credit report to look at have looked through it but i couldnt find one of my biggest debtors on there its with northern rock i have an outstanding loan with them off £33,000:eek: just cant understand why its not on my credit report even though my mortgage is on there and that is with northern rock.
Can anyone shed any light on why this might be there is not even any credit searches from when we had the loan showing up and its only 2 years old.
Thanks
Lisa
DMP No-- 164
Our wonderful baby 'pip' miscarried at 6 weeks:(

Comments

  • Conor_3
    Conor_3 Posts: 6,944 Forumite
    How many companies have you done a credit search with?
  • lisabell
    lisabell Posts: 147 Forumite
    Only the one experian credit expert does that matter?? sorry if im sounding a bit thick!!
    DMP No-- 164
    Our wonderful baby 'pip' miscarried at 6 weeks:(
  • GeorgeUK
    GeorgeUK Posts: 7,737 Forumite
    There are 3 CRA's (that i know of) - if they don't use Experian then the details may not show up there.
    After falling off the gambling wagon (twice): £33,600 (24,000+ 9,600) - Original CC Debt: £7,885.91

    Dad Gift 6k ¦ Savings & Inv Tst: £2,500
    Loan 10k: £0 ¦ Dad 5.5k: £2,270 ¦ LTSB: £0 ¦ RBS: £0 ¦ Virgin £0 ¦ Egg £0

    Total Owed: £2,270 (+6k) 11/08/2011
  • lisabell
    lisabell Posts: 147 Forumite
    oh thanks for that !!!
    DMP No-- 164
    Our wonderful baby 'pip' miscarried at 6 weeks:(
  • thriftymomma
    thriftymomma Posts: 1,107 Forumite
    You need to use Equifax, Experian and there is another one too.
    Got Halifax Classic to reduce my interest rate by 5% woohoo - 10/06/08 Thanks MSE!
    Another 3% shaved off 10/12/08
    ANOTHER 4 % June 09:beer:
  • LilacPixie
    LilacPixie Posts: 8,052 Forumite
    call credit is the 3rd one
    MF aim 10th December 2020 :j:eek:
    MFW 2012 no86 OP 0/2000 :D
  • oscar52
    oscar52 Posts: 2,272 Forumite
    I still wouldnt gaurantee it being on one. i have a CC debt with Natwest that doesnt appear on any credit file.
    No Longer works for MBNA as of August 2010 - redundancy money will be nice though.

    Proud to be a Friend of Niddy.
    no idea what my nerdnumber is - i am now officially nerd 229, no idea on my debt free date
  • thriftymomma
    thriftymomma Posts: 1,107 Forumite
    How bizarre.
    Got Halifax Classic to reduce my interest rate by 5% woohoo - 10/06/08 Thanks MSE!
    Another 3% shaved off 10/12/08
    ANOTHER 4 % June 09:beer:
This discussion has been closed.
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