Credit rating/score

Sorry in advance if this is in the wrong section.

I got my first credit union loan around 12 years ago and since then have topped up here and there over the years and then finally cleared it this year.
I also got finance on my first car at the same time (12 years ago) with GE money which I had topped up with personal loans over the years also, I still owe a very small amount on it now, but I owe it to Pepper now since they took over GE moneys depts a while back.
I also have a bill phone for the last few years too with is paid by direct debit every month.

Anyway I applied for a copy of my credit report last week to see what my credit score is as I'm hoping to apply for a mortgage next year, and all that showed up was the credit union (pic below) and it only showed the last 24 weeks.

I gave all my previous addresses so I was sure more would show up.

It doesn't tell me what my score is either. Is this normal?

Skint,

What you show is an excellent ICB.
It shows 24 months , not 24 weeks.
There is no (score) process , just a print out of mostly live accounts.
Each tick = payment made on time.
If you showed a tick and in next box a 1 , that means you missed 1 payment for one month..
If you show a 2 or more you will have issues getting credit.

Hi skint, am I right in understanding you that you think your credit record with the ICB is incomplete?

The CU loan is listed and as Gerry says - it shows that you have paid it off and have not missed any repayments. In other words your credit history demonstrates that you repay your loans (Credit score is a different thing altogether - it is common in the US so has seeped into our perception via popular cultural imports. ICB can provide a CBS when requested by a lender, it is a snapshot of you at a particular time. Generally what they ICB holds is your history and provides a report of that history where a valid request is received, it demonstrates your behaviour over time rather than providing a numerical conclusion about you and your creditworthiness devoid of any specific detail. If a lender has requested a CBS for you the details of that request and result will appear on your report)

But you think there should be another loan on there? One that was originally with GE, now with Pepper, that you are still paying off? There could be a couple of reasons why. Firstly it may not have been reported to the ICB by the lender. Secondly if the address or name used differs, they could have a record but don't include it in the report you request because the details are different. It might be worth confirming the precise details Pepper have on you and then re-applying.

Thanks very much for your replies, I rang ICB this morning and they said that the credit union loans only shows 24 payments and that it is 24 weeks and not months because I paid weekly not monthly. So that clears that up.

When I asked about the GE money loan (now trading under pepper) they told me to ring pepper to ask them to register the loan. But when I rand they said that the company (cabbage I think) bought the loans and that he didn't think they did or could register it. He said he will look into it and ring later so I will know much then.

Another quick question.... So if my loans are paid off for over two years does this mean if a mortgage company looks for my credit report that nothing will show up? Since they only go back two years?

Skint,
I get educated every day ! I was (sure) icbs were only shown at least monthly.

It was Cabot who bought the Ge loans.
If you write to Ge Money , Golden Lane ,Dublin and quote your account number ,ask for a statement and a copy loan document , you will then in effect have an (icb) on that account.

I believe payments on icb go back 24 payments , in your Cu case = 3 months.
It could be your ICB may show nought to Mortgage Company.

For your own peace =
Again get copy statements /loan docs to fully show you are a good payer.

Ok thanks very much I will do that so