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I cant find my debts

9 months ago - Posted by

I have tried to remember the silly mess I have myself in however, when I have asked for help from debt companies they want me to give them my credit report and its saying they can not find me . What can I do I want to get straight.

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1 Answer

TAD Member

9 months ago

Hi Michelle
This is a toughie. I am assuming firstly you cannot remember who you owe money to.
I am, also, assuming you no longer are receiving any letters or telephone calls from your creditors, as if you are, you can pass this information to those helping you.

It does not need to be a credit report. Not all creditors provide credit reference agencies with updates on debts owed, so credit reports never show everything you could owe anyway.
However, if you are not receiving any letters or telephone calls, could this be because you have moved address since you took the debt out? If it is, it may be necessary to request a credit report using all previous addresses and names you have been known by.
If this still is not working, the question has to be asked whether you have a problem? No-one is contacting you and the credit reference agencies have no record of you having any debts owed by you.
Sometimes debts can be written off, where they have not been acknowledged by you or had any payments made in six years (five years in Scotland) they become what is known as statute barred. Many creditors then stop trying to recover them.
I am just thinking if you are not receiving any letters or any phone calls, and you can’t remember who you borrowed money from and, finally there is no record of them on credit reference agency files, maybe you should just let sleeping dogs lie until someone contacts you, if they ever do. There is not much more you can do.
First though, I would try doing a credit check again using all the names you have been known and listing all the addresses where you have lived.

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