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Capital One debt not showing on credit files

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Hi all

 

I have debt with Capital One which I am currently paying through Lowell.

 

This debt does not show on my credit file and I was wondering why that would be. I have checked Equifax and Experian and its not on either of them.

 

Just curious!

 

Many thanks

Anne

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Hi,

 

I had a Credit Card with Halifax that never showed on my file until I defaulted, I know my Cap 1 credit card is on my file and gets updated every month.

How old is the debt ?


 
 

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Thanks for the reply!

 

I am pretty sure I defaulted with cap one at least 3 years ago but can't confirm as can't find it on credit file. I know I was paying Cap Quest money every month (about 2 years ago I think) and then it was passed about. Lowell got in touch this year and I started paying them. Currently waiting for CCA request to be dealt with.

 

I just find it strange its not showing up at all anywhere, I owe about £4k.

 

Many thanks

Anne

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Anne are you sure the payments your making are being deducted from the account.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I have assumed they are? I went through my credit file recently and wrote down all my debt, when I defaulted, amount owed etc so I can finally get a grip of things and the cap one is the only one missing. Its not been on my credit file at all this year and to be honest I can't remember if it was on last year.

 

So I don't know how much I owed when I defaulted (or the date I defaulted). I know I was paying Cap Quest £30 a month for a good while then stopped.

 

I have requested a copy of statement with CCA request and Lowell has sent this off to Captial One. I'll have a good look when I receive it through.

 

Anne

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Hi all

 

I am still waiting on the CCA and statement coming from Capital One (through Lowell) but I am still no further forward as to why the data is not on my credit file (both Experian and Equifax).

 

I've had a look on other forums but no one seems to have an answer. I am pretty sure I took the credit card out in 2007/2008.

 

I had debts on my credit file from before then but no sign of this Capital One.

 

Any ideas of who I can contact about this? Not sure if it makes any difference or not, I'm just curious.

 

Cheers

Anne

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I've got a Capital One MasterCard.

There isn't a problem with it - it's running normally (satisfactory). However last month it dropped off my credit file for a few days - no reason for it - then it suddenly reappeared again :)

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Thanks for the reply!

 

Mine hasnt been showing at all this year?? I'll not worry too much about it x

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