Help with Experian Credit Report

[robert_harvey07]

Hi,

 

I recently requested a copy of my credit report with Experian.

 

When I lived with my parents I got into a bit of difficulty with repayments and defaulted on several accounts.

 

However, when I received my credit report it makes no mention of any defaults at my parents address or indeed any reference to my parents address at all! Is this normal? I was on the electoral/council tax at my parents house.

 

Thanks for your help.

Robert

[djdave]

How long ago was this? More than 6 years and the defaults should have dropped off your file.

 

Have you got your Equifax report? That sometimes has more detail - sometimes not.

[robert_harvey07]

Hi, thanks for your reply.

 

I had letters from the bank saying they were defaulting etc that was only around a year ago...I received all the default notices etc. Nothing at all is showing on my credit file now though. I did tell experian about my previous address and that I had only lived at my current address for around a year. I'm confused! :S

[make them aktiv runners]

Experian only show data on the report for your current address. Think you need to obtain a search just for old address

[djdave]

Somebody started an excellent thread just recently detailing the value of sending Experian a full SAR. Ok it costs £8 more, but apparently revealed a lot of information which a simple credit report wouldn't.

[djdave]

Found it! It relates to Equifax, not Experian, but I'm sure the same would apply. Worth reading:

 

http://www.consumeractiongroup.co.uk/forum/general-debt/59830-equifax-r-subject-access.html