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.