Account not showing on Credit Report?

Question

I signed up with Littlewoods catalogue last year, but never sent back the credit agreement slip - I then ran up £700 worth of debt with them and am in agreements to pay - however, Ive looked on my Credit Report and the account isnt showing as opened or anything like that at all - neither is my overdraft with my bank.

Is this an error on my report I should be thankful for?

Also, I have a default on a seperate account and when I ordered my credit score it didnt say that this will affect my overall credit score (it gives a list of whats affecting it) is this correct? Cheers

Answer 1

I am not sure about the UK but in the US lenders are not required to report to the credit bureaus so you should consider yourself lucky.

Answer 2

Ignore that spam from Connie - reported!!

In the UK there are 3 credit reference agencies so your catalogue may not be used by the one that you looked at.

You can order a report from each CRA for only £2.

http://www.ico.gov.uk/for_the_public/top...