Information on your credit file will only show for a period of six years from the date they’re paid off, or the date the account defaulted because of a missed payment.
After this, the information will be removed, even if you still owe the debt. For example, if you missed a payment to a debt in January 2014, the record of the missed payment would have been removed from your credit file in January 2020, even if you‘re still paying it off.
This means credit reference agencies don’t hold information about old debts.
Find out more about how default notices for missed payments work.
Some lenders might not add information to your credit file at all, for example many utility providers or insurance companies, as it’s not always required that they do this.
If you’ve checked with all three credit reference agencies and you still can’t find out details about all of your debts, the next thing to do is check letters and emails you’ve received, or get in touch with creditors.