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Missing Creditors


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Hi Guys,

 

Just after a bit of advice. I signed up to Experian to get a view of my credit report and there is no mention of any of my oustanding debts of creditors on there.

 

I know I have them but they aren't listed on the report. I can see them on the Free Noddle report but not on experian.

 

Any ideas?

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Hi

Unusual. It is normally the other way round with Experian showing and Noddle not.

 

It may be that there is some erroneous data with Experian which stops them placing data there but of course I am guessing.

 

Why not check Equifax to see what is on there.

 

Personally, I wouldn't worry about what isn't there.

 

A few more details of the debts may shed a little more light

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Hi Guys,

 

Just after a bit of advice. I signed up to Experian to get a view of my credit report and there is no mention of any of my oustanding debts of creditors on there.

 

I know I have them but they aren't listed on the report. I can see them on the Free Noddle report but not on experian.

 

Any ideas?

You will need to write to the creditors individually (To The Data Controller) specifying the missing accounts and querying the fact these accounts are not reported. Personally I would check Equifax too.

 

Also write to the Data Controller at Experian with the same queries, (don't phone or e-mail you need a paper trail).

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Definitely NOT due to not using a particular CRA then, all of those use all 3 main agencies, odd to say the least.

 

My post 3 may be the easiest way forward I think.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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