Confused about Credit report

[EvianBaby]

I've just looked at my credit report on Equifax but it doesn't seem to be up to date.

I can see all my previous borrowings and it shows what it settled and what's outstanding. The only things that remain 'current' on there are two credit cards, my current account and my phone contract.

The phone contract, current account and one credit card are only detailed up to July 2011. All the payments are going to these things as per agreements, no defaults, it just shows no activity at all. The other credit card does not show any history since August 2010, despite payments being made to it (there have been some defaults).

That's not normal, surely? Shouldn't it be showing everything right up to date?

[boxtops]

I've never used Equifax, only Experian - but it might be that you'd get a more detailed report if you paid for it. We've paid £3 for a credit report and it showed all credit (including some well old stuff). It might be 3 months behind in the report but not a year and a half. If I were you I would pay and see if you get more detail.

[EvianBaby]

Thanks. Should have said i do pay for it but even though i do monthly when you log on you still have to sort of order an up to date report. Found out why the other one is showing such old history though :(