Thanks for the assist citizenB. If they only report on one then we must have a fourth C.R.A somewhere - I've checked all three and the accounts don't appear at all. There's no trace of them in current records, despite the fact that they used to appear on Experian. I know the mail order account was on the Experian report a matter a weeks ago, as I was checking the payment history. Being a little more thorough, I can see the last time the secured loan featured was summer 2013. It's been missing from my file since then. Interestingly, last summer's report lists 22 accounts (active and settled) in the summary section, but references 24 in detail; There are now two missing. Seems odd, no? As for Equifax, they have nothing on me. Only three accounts. I've asked them how to rectify the data and they sent me the following: Forgive me if I'm being naive, but doesn't that offer me the opportunity to mould my credit information with them? What's stopping me from only providing the accounts I want to appear?

Forgive me, I only just noticed the following thread: /forum/showthread.php?421904-Active-credit-card-vanished-from-file (I can't post links yet, even though it's an internal link - go figure) I'll monitor it closely over the next few weeks, but I still question the absence from all three agencies... Your link http://www.consumeractiongroup.co.uk/forum/showthread.php?421904-Active-credit-card-vanished-from-file

Hi everyone, I have a bit of a conundrum, and I'm hoping someone can explain. I've been using Experian's Credit Expert service for some time and have had two active accounts completely disappear in the last two months. One of them is a loan secured on my property (9 years old, 6 years to run), the other is a mail order service (18 months old). Being a little confused by it all, I did the following: Checked my file with Equifax: they only have three credit accounts listed for me (I have 30+ active and settled accounts reported with Experian). The two missing accounts aren't listed. Checked my file with CallCredit (Noddle): the data is fairly comparable to Experian, at least in number (actually has two that aren't reported with Experian), but neither of the missing two are listed here either. I know for certain that the accounts were listed with Experian as they appear on old reports that I've had from them. How is it possible for ACTIVE accounts to completely vanish like this? I've every intention of maintaining payments to the creditors, because it seems like the sort of thing that'll bite you in the a*** in the long run. However, I have no intention of reporting it, as the mail order account had a couple of missed payments in the last 12 months. Is there a precedent that anyone can point me to please? I'm genuinely stumped. Also, how do I go about having Equifax update my accounts? They have next to nothing on me, including a CCJ that is due to expire in literally 12 days. Thanks in advance.