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Understanding Experians credit report


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Just signed up for the 30 day trial with creditexpert.co.uk Viewed it today and my credit rating is "Fair". However......the only accounts on there that are showing any sort of account informtion are from Barclays - overdraft and loan which show payments up to date.

 

My worry is - where on earth are all my debts from people like Cabot, IJ, Fredrikkson et al. I make monthly repayments and owe thousands yet none of this appears.

 

If I go down to the linked addresses section, then it shows up the DCA being the source but I just dont understand why I cant see any of these amounts that I owe - even the orginal creditors (Alliance & Leicester to name one) do not show any entries.

 

Anyone got any ideas?

 

TIA!

 

 

Edit - the reason I ask is that when I make full and final settlements to my creditors eventually, I will ask them to amend my credit file accordingly - but I cant actually find anything for them to amend at the moment.

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It may also be worth checking your Equifax credit file ( it will be the Experian one you are checking at the moment ). It's possible that some of your creditors only provide information to one agency but this does seem unlikely for all of them. Are the debts that have been passed to DCAs quite old? It could be that your original creditor was providing monthly account payment info the Expreian etc but they then sold the debt on for whatever reason. If this happened over 6 yrs ago and the new creditor ie the DCA isn't supplying your payment info to the cred ref agencies then they simply will not show up.

 

Remember your cred ref file is made up of info supplied by the creditors. It's simply process by the CRAs.

 

Can't think of any other reasons...

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