i did get a credit report from 2011 when i came back to d uk till present it doesn't show any history of any sorts. Should i update my old address from 2004 till 2009.

i had that in late 2008 - early 2009. when i struggling i took out IVA on one of the credit cards. and when i left UK that must have defaulted aswell.

No I have not contacted anyone since i have been back. Most of the bad credit is from 2009, until then i was on top of my repayments. I also had an IVA i believe.

Hi, I first came to the UK in 2004 and was here till 2009. During my stay in d country I had a lot of credit agreements i.e bank loans, credit cards etc (as long as i remember about 12000 in bank loans and 4000-5000 in credit card). I left the country in early 2009 and could not pay my debts. I was away for a few years and came back in late 2011. Since i now have come to the UK i have been trying to lay low. then i started getting emails in march 2012 from collection agencies to pay back one of the debts i had. which I did. But still i have a lot of debts left. but i have been avoiding them. But it has always been at the back of my head that i need to do something about my debts but i have been avoiding them as i have been saving up money as me and my partner are trying to get a house which i know is not possible due to my credit history. And I have decided that i cant be living like this anymore. I want to tackle my debts i know it is a lot of money but i will have to do it for futures sake. I dont know where to start. I can start with getting my credit report but then i am scared that if i get the credit report done for with all d address from 2004 till present i will be inviting collection agencies to my doorstep. i am confused and scared. How can i go about tackling my debts which i dont know how much it is as have no clue who i owe to and how much i owe them. Please help.