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    • Jimmy_Boy
    • By Jimmy_Boy 13th Sep 17, 6:46 PM
    • 20Posts
    • 4Thanks
    Jimmy_Boy
    Current Account not showing on credit report
    • #1
    • 13th Sep 17, 6:46 PM
    Current Account not showing on credit report 13th Sep 17 at 6:46 PM
    I use the following CRA's ;

    ClearScore (using Equifax data)
    noddle
    Experian

    None of these list my current account (with barclays). I have asked each CRA to do whatever is necessary to show this on my report, but they all come back saying they find no record of the account.

    I have been on to barclays, and they say this is normal?

    This is my main account. Its where my salary goes in, and all my direct debits go out.

    Ive had this account for approx. 25 years and its managed well.

    I would like this to be on my report, as otherwise I do not have much on my report to represent my money managing.

    Any advice?
Page 1
    • zx81
    • By zx81 13th Sep 17, 6:54 PM
    • 13,187 Posts
    • 13,501 Thanks
    zx81
    • #2
    • 13th Sep 17, 6:54 PM
    • #2
    • 13th Sep 17, 6:54 PM
    It's not uncommon for current accounts not to show - certainly if you don't have an overdraft.

    It will have little impact in any case, as no DDs or balance will show. Just a flat zero balance account.

    Get a credit card if you need to build history.
    • Jimmy_Boy
    • By Jimmy_Boy 13th Sep 17, 6:59 PM
    • 20 Posts
    • 4 Thanks
    Jimmy_Boy
    • #3
    • 13th Sep 17, 6:59 PM
    • #3
    • 13th Sep 17, 6:59 PM
    Ok, no problem.

    I just found it strange that I previously had a dormant current account with barclays (now closed) which DID show up on my report, yet my main current account did not, yet there both with the same bank. Wondered if it was anything to do with the age of the account (the dormant one was about 10 years old), maybe old accounts (20+ years) are not automatically enrolled to submit information to CRAs.
    • zx81
    • By zx81 13th Sep 17, 7:02 PM
    • 13,187 Posts
    • 13,501 Thanks
    zx81
    • #4
    • 13th Sep 17, 7:02 PM
    • #4
    • 13th Sep 17, 7:02 PM
    Older accounts don't generally have permission to report.
    • YorkshireBoy
    • By YorkshireBoy 13th Sep 17, 7:06 PM
    • 29,399 Posts
    • 17,184 Thanks
    YorkshireBoy
    • #5
    • 13th Sep 17, 7:06 PM
    • #5
    • 13th Sep 17, 7:06 PM
    maybe old accounts (20+ years) are not automatically enrolled to submit information to CRAs.
    Originally posted by Jimmy_Boy
    I seem to remember 1998 was the year that changed, due to the DPA?
    • Jimmy_Boy
    • By Jimmy_Boy 13th Sep 17, 7:09 PM
    • 20 Posts
    • 4 Thanks
    Jimmy_Boy
    • #6
    • 13th Sep 17, 7:09 PM
    • #6
    • 13th Sep 17, 7:09 PM
    Thanks for the advice guys.
    • boo_star
    • By boo_star 13th Sep 17, 10:00 PM
    • 1,256 Posts
    • 631 Thanks
    boo_star
    • #7
    • 13th Sep 17, 10:00 PM
    • #7
    • 13th Sep 17, 10:00 PM
    I seem to remember 1998 was the year that changed, due to the DPA?
    Originally posted by YorkshireBoy
    Correct.

    I believe there is a way to give permission via some form or other but don't be surprised if branch staff/CS have no idea what you're talking about if you ask.
    • RG2015
    • By RG2015 16th Sep 17, 7:31 AM
    • 303 Posts
    • 107 Thanks
    RG2015
    • #8
    • 16th Sep 17, 7:31 AM
    • #8
    • 16th Sep 17, 7:31 AM
    Hi Credit-Express,

    What is the position regarding a credit card that does not appear?

    Also, do you work for Credit Express or is that merely your user name. If it is the former, who are Credit Express and what they do?

    Edited Mon 18 Sept: The user Credit-Express has been deleted so my post now does not make much sense. I appreciate that they were an unauthorised commercial user but their answers did appear to be quite useful. Fortunately I remember the answers that they posted.
    Last edited by RG2015; 18-09-2017 at 4:46 PM.
    • Ben8282
    • By Ben8282 18th Sep 17, 1:44 AM
    • 2,003 Posts
    • 877 Thanks
    Ben8282
    • #9
    • 18th Sep 17, 1:44 AM
    • #9
    • 18th Sep 17, 1:44 AM
    Older accounts don't generally have permission to report.
    Originally posted by zx81

    I know this is often said but I have not encountered this. I have 30+ year old current account and two 20+ year old credit card accounts all of which are reported normally.
    • nic_c
    • By nic_c 18th Sep 17, 9:29 AM
    • 908 Posts
    • 547 Thanks
    nic_c
    All it would show would be you have a current account at 0 balance for 20 years, would it have much impact or any at all? It doesn't matter whether there was £1 balance and stagnant for all that time or always over £1000 with multiple DD's, your CRA reports are about how you use credit and your risk for new credit.

    From a search in the forum ....
    The NatWest issue is common to most banks and relates to accounts opened before consent was regularly obtained (through the T&Cs) to share full data as opposed to just defaults, which was once the norm. Now I know that some banks will allow you to provide consent now re old accounts which enables them to start sharing data on your accounts. Just doublecheck with NatWest that they can't do this. There's a chance that whoever you spoke to wasn't particularly clued up on this issue so perhaps you could ask to speak with someone more senior.
    by Experian company representative
    http://forums.moneysavingexpert.com/showthread.php?t=3373420#8
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