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Credit Expert Clear?!?


elgorm
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Hello People!

 

I registered for Credit Expert ready to be amazed at the amount of debt showing on there, my girlfriend got a free report for herself and it showed loads of stuff on there from years ago.

 

My credit expert however shows nothing apart from my current account opened in August....

 

I havent taken out any new credit for probably 5/6 years but have letters coming on a daily basis about debt with Capital One, Barclay card and 2 mobile phone contracts (O2 and three). Also I have £5k debt with HSBC who have not been in contact for a long time. All unsecured cards/loans.

 

It states my credit profiles as poor but the only reasons for this are multiple applications for credit and not being on electoral role.

 

Does this seem strange to anyone, is it possible different credit agencies will hold the grim realities of my credit history or have these debts been erradicated from my history despite still chasing me??

 

Very confusing. Hope someone might be able to clear things up!

 

Thanks!

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Fear not, I'd not gone back far enough with my address history. If a prospective lender asks for the last 3 years address details does this mean they dont get to see the debts from the addresses before then???

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