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Help understandig credit report

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Hi, I've had a look at my credit report through Experian and I'm a bit confused. The only things it shows on there are 1 default that says is satisfied but yet its still there and another for a very small amount that I had forgotten about. There is no sign of the debt that Ruthbridge have written to me about nor the debt that Lowell have written to me about regarding an O2 mobile contract. Does anyone know what this means? Also the default that says is satisfied, how come its still on there if I've paid it? Thank you!

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Any entry on your credit file will remain on there for 6 years, even though you had a default on there which now says is satisfied, that shows any future creditor that you have paid the debt off.

 

After six years the entry drops off automatically, paid or not.

 

As for entries not being on there and the likes of lowlifes and ruthbridge writing to you saying you owe them money, it is possible they are simply on a fishing trip, and trying to make you pay for something you don't own!


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Thanks Bazooka, so does that mean that anything thats not on my credit file I don't have to worry about? If thats the case then I only owe £147 in debt! Woohoo! Lol! 1 of the ones that have written to me is definately mine but I thought it was over 6 years ago, however having checked my bank accounts I think I may have been paying it through a different DCA in 2006. Is there any reason that this wouldn't be on my file or does it mean that it was over 6 years ago and has gone? Sorry its all very confusing!

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The problem is there are three main credit reference agencies and information which appears on one may not appear on the others & vice versa.


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Having 'disturbed' your Credit File by taking a look, all sorts of lowlife will now start to contact you. So make sure you know whats' what before you start to right back. Check on your Statute barred account dates especially.


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

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The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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