Yes I've also extensively googled this and not found many threads or sources of help. Can anyone suggest where I get further information ? To be honest, I'm rather happy they are not there but afraid they may appear at a later date...

I've a similar situation. I have been registered with Credit Expert for years and my reports showed most my financial records. However I noticed when I took an American express card this never showed up. In June 2008, 2 and a half years ago, whilst overseas I couldn't keep up with my loan payments / debt and accepted that bank bankruptcy was inevitable. I ignored all letters but didn't proceed with bankruptcy thinking it would be forced on me. I recently decided to call the courts and see if I have been made Bankrupt. I have not. Therefore I thought i would reassess my debt to consider if there is a way out. My Experian report does not show my American express card, Barclay Bank account which is over drawn, Barclay loan or Vodafone account. Where are these debts ? I've noticed my credit score has recently marginally increased.