There are 3 credit reference agencies, Experian, CallCredit and Equifax. If one doesn't pick something up chances are the other 2 will.
The best answer is to contact PN and ask directly have my missed payments been passed onto credit reference agencies? Ie will my missed payments show on my credit report?
Some financial institutions will look at all 3 credit reference agencies records, some 2 of them and some 1. Generally they use a combination of 2 or 3 of them.
Also credit reports are generally several months behind, so if you recently got plusnet it might not be there yet.
Edited by ukhardy07 (Thu 16-Jun-11 18:08:28)