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  • FIRST POST
    Walds
    Why does my Barclaycard not appear in my Experian credit report?
    • #1
    • 11th Jan 11, 2:47 PM
    Why does my Barclaycard not appear in my Experian credit report? 11th Jan 11 at 2:47 PM
    Hi there,

    This may be a very dumb question, but why do my Barclays Current account and Barclaycard Platinum (both held for 10 years) not show up on my Experian credit file?

    Not necessarily a problem (my credit is good without it), but it seems a really strange thing to be missing.

    Is there a particular reason why this should be? Is there anything I could/ should do about it?

    Tons and tons of thanks in advance!

    PS Hope this is in the right place - let me know if not!
Page 1
    • fozmcfc
    • By fozmcfc 11th Jan 11, 2:54 PM
    • 2,955 Posts
    • 2,148 Thanks
    fozmcfc
    • #2
    • 11th Jan 11, 2:54 PM
    • #2
    • 11th Jan 11, 2:54 PM
    Could be that Barclays don't report to Experian, maybe they only report to Equifax.

    I'm sure someone can confirm this.
    • zx81
    • By zx81 11th Jan 11, 2:55 PM
    • 7,735 Posts
    • 7,623 Thanks
    zx81
    • #3
    • 11th Jan 11, 2:55 PM
    • #3
    • 11th Jan 11, 2:55 PM
    Could be that Barclays don't report to Experian, maybe they only report to Equifax.

    I'm sure someone can confirm this.
    Originally posted by fozmcfc
    I was just going to post the same. I believe they are Equifax only these days.
  • KingElvis
    • #4
    • 11th Jan 11, 3:00 PM
    • #4
    • 11th Jan 11, 3:00 PM
    My Barclaycard has always shown on Experian.

    It has done for the last few years.
    "We want the finest wines available to humanity, we want them here, and we want them now!"
  • Hax
    • #5
    • 11th Jan 11, 3:03 PM
    • #5
    • 11th Jan 11, 3:03 PM
    My BarclayCard Initial (held since Spetember last year) shows on Experian.
    My posts are my own opinions based on my experiences and info gathered from sites such as this.
    They are not a substitute for professional financial advice - but you knew that already didn't you?
    VSP 2011 - Member #25 - Started 6th December 2010 - Total As Of 4th May 2011 (21 weeks in!) - 323.67/500 - So far so good!
    • brewerdave
    • By brewerdave 11th Jan 11, 3:32 PM
    • 3,755 Posts
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    brewerdave
    • #6
    • 11th Jan 11, 3:32 PM
    • #6
    • 11th Jan 11, 3:32 PM
    My Natwest Mastercard has never shown up on Experian - I've had it since 1975!!!
    Last edited by brewerdave; 11-01-2011 at 3:32 PM. Reason: spelling!
  • KingElvis
    • #7
    • 11th Jan 11, 3:33 PM
    • #7
    • 11th Jan 11, 3:33 PM
    My Natwest Mastercard has never shown up on Experian - I've had it since 1975!!!
    Originally posted by brewerdave
    The tidy agreements between banks and other financial companies to share data didn't exist back then, Ford Cortina 1.6GLs did though
    "We want the finest wines available to humanity, we want them here, and we want them now!"
    • zx81
    • By zx81 11th Jan 11, 3:34 PM
    • 7,735 Posts
    • 7,623 Thanks
    zx81
    • #8
    • 11th Jan 11, 3:34 PM
    • #8
    • 11th Jan 11, 3:34 PM
    My BarclayCard Initial (held since Spetember last year) shows on Experian.
    Originally posted by Hax
    My Barclaycard has always shown on Experian.

    It has done for the last few years.
    Originally posted by KingElvis
    Opps. Sorry.

    In my defence, fozmcfc led me into a false sense of security.
    • fozmcfc
    • By fozmcfc 11th Jan 11, 3:39 PM
    • 2,955 Posts
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    fozmcfc
    • #9
    • 11th Jan 11, 3:39 PM
    • #9
    • 11th Jan 11, 3:39 PM
    Opps. Sorry.

    In my defence, fozmcfc led me into a false sense of security.
    Originally posted by zx81
    LMAO, yeah blame it on me
  • Hax
    LOL @ you two

    To the OP - you might want to check your reports from Equifax and CallCredit - they may contain these accounts.

    Failing that, it could be some sort of identity mismatch with Experian. I've read stories of people having two sets of data because of slight differences in the way their address is entered (for example). If this is the case, then I'm sure if you call Experian they'd be able to help hunt down and consolidate the missing data.
    My posts are my own opinions based on my experiences and info gathered from sites such as this.
    They are not a substitute for professional financial advice - but you knew that already didn't you?
    VSP 2011 - Member #25 - Started 6th December 2010 - Total As Of 4th May 2011 (21 weeks in!) - 323.67/500 - So far so good!
    • jen245
    • By jen245 11th Jan 11, 6:11 PM
    • 1,573 Posts
    • 683 Thanks
    jen245
    Isn't it something to do with accounts opened before a certain date, don't show up on your credit report? I believe its accounts opened pre 2000. I had a Barclays bank account opened in 1999, which isnt on my report, but my barclaycard opened in 2000 does show, on both my experian and equifax reports. Both accounts were closed mid 2005.
    Debt free and staying that way!
  • Academic
    .....why do my Barclays Current account and Barclaycard Platinum (both held for 10 years) not show up on my Experian credit file?
    Originally posted by Walds
    I recently checked my credit reports (from both Experian & Equifax) and my Barclays current account & Barclaycard were not listed on either.

    I'm inclined to think that Jen245 is correct as both my accounts are pre-2000.
    • The Boss
    • By The Boss 11th Jan 11, 9:31 PM
    • 5,641 Posts
    • 3,754 Thanks
    The Boss
    An old bank account/credit card that is not reported because it originates from before the agreement about reporting is like gold dust. I've got an old NatWest current account with a 5k overdraft that is not reported and keep it just in case I need it in dire times. I pay a direct debit out of it every month to keep it active as they shut down my other account through inactivity
    • The Boss
    • By The Boss 11th Jan 11, 9:33 PM
    • 5,641 Posts
    • 3,754 Thanks
    The Boss
    Isn't it something to do with accounts opened before a certain date, don't show up on your credit report? I believe its accounts opened pre 2000. I had a Barclays bank account opened in 1999, which isnt on my report, but my barclaycard opened in 2000 does show, on both my experian and equifax reports. Both accounts were closed mid 2005.
    Originally posted by jen245
    Yes, that's exactly what it is.
  • crayola
    Good question - my Santander card does not appear on my Experian profile either. Had been wondering!
    • The Boss
    • By The Boss 11th Jan 11, 11:04 PM
    • 5,641 Posts
    • 3,754 Thanks
    The Boss
    Good question - my Santander card does not appear on my Experian profile either. Had been wondering!
    Originally posted by crayola
    Was it recently opened or a legacy Abbey card started before 2000?
    • brewerdave
    • By brewerdave 12th Jan 11, 7:28 AM
    • 3,755 Posts
    • 1,438 Thanks
    brewerdave
    An old bank account/credit card that is not reported because it originates from before the agreement about reporting is like gold dust. I've got an old NatWest current account with a 5k overdraft that is not reported and keep it just in case I need it in dire times. I pay a direct debit out of it every month to keep it active as they shut down my other account through inactivity
    Originally posted by The Boss
    That might explain why my Mastercard doesn't appear.............but I've had a GM Visa card since ~1988 ish ..that does appear on Experian
  • Walds
    Thanks for the input everyone. Massively useful.

    I will get an Equifax report ASAP.

    One point of consideration though - the bank account does pre-date the 2000 cut-off, but the card doesn't (from 2001, I think).

    Any thoughts on why this still does not appear?
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