Information disappeared from credit report - is it serious?

[Letthecarhuntbegin]

Very odd!
I am thinking about taking out finance for a new car so checked my credit score. It has dropped a lot so I checked my report. My current account, credit card and mortgage (all HSBC), and my phone contract are all missing from it, and it says I’m not on the electoral roll, even though I am.

Any idea why this information would disappear? I last checked it in July, and all was in order then. I haven’t done anything different since July, not even taken out so much as a new insurance policy.

Any ideas? Feeling a bit worried and hoping it’s easy to fix…

Can you check a different report? I know on Experian that I'm not on the electoral roll even though I am - apparently something to do with when their systems update and how different councils communicate with them - but when I checked with other credit reference agencies, it was fine. Not sure that explains the accounts falling off though which seems weird.

It’s the same on both Equifax and Experian.
I wonder if HSBC is the issue?

Some institutions only report to certain credit reference agencies. For a full picture you need to get a report from all agencies.

I checked these same reports in the summer though and they were OK?

I would be asking HSBC for the loan for the car though, maybe because they can see almost all my financial activity they won’t care so much about the credit reports being wrong?

Have you changed anything? If you haven't moved recently this is very suspect.