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Why does my Barclaycard not appear in my Experian credit report?
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# 1
Walds
Old 11-01-2011, 2:47 PM
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Default Why does my Barclaycard not appear in my Experian credit report?

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!
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# 2
fozmcfc
Old 11-01-2011, 2:54 PM
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Could be that Barclays don't report to Experian, maybe they only report to Equifax.

I'm sure someone can confirm this.
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# 3
zx81
Old 11-01-2011, 2:55 PM
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Quote:
Originally Posted by fozmcfc View Post
Could be that Barclays don't report to Experian, maybe they only report to Equifax.

I'm sure someone can confirm this.
I was just going to post the same. I believe they are Equifax only these days.
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# 4
KingElvis
Old 11-01-2011, 3:00 PM
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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!"
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# 5
Hax
Old 11-01-2011, 3:03 PM
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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?
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# 6
brewerdave
Old 11-01-2011, 3:32 PM
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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!
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# 7
KingElvis
Old 11-01-2011, 3:33 PM
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Quote:
Originally Posted by brewerdave View Post
My Natwest Mastercard has never shown up on Experian - I've had it since 1975!!!
The tidy agreements between banks and other financial companies to share data didn't exist back then, Ford Cortina 1.6GLs did though
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# 8
zx81
Old 11-01-2011, 3:34 PM
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Quote:
Originally Posted by Hax View Post
My BarclayCard Initial (held since Spetember last year) shows on Experian.
Quote:
Originally Posted by KingElvis View Post
My Barclaycard has always shown on Experian.

It has done for the last few years.
Opps. Sorry.

In my defence, fozmcfc led me into a false sense of security.
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# 9
fozmcfc
Old 11-01-2011, 3:39 PM
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Quote:
Originally Posted by zx81 View Post
Opps. Sorry.

In my defence, fozmcfc led me into a false sense of security.
LMAO, yeah blame it on me
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# 10
Hax
Old 11-01-2011, 4:06 PM
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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?
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# 11
jen245
Old 11-01-2011, 6:11 PM
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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.
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# 12
Academic
Old 11-01-2011, 9:09 PM
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Quote:
Originally Posted by Walds View Post
.....why do my Barclays Current account and Barclaycard Platinum (both held for 10 years) not show up on my Experian credit file?
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.
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# 13
The Boss
Old 11-01-2011, 9:31 PM
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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
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# 14
The Boss
Old 11-01-2011, 9:33 PM
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Quote:
Originally Posted by jen245 View Post
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.
Yes, that's exactly what it is.
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# 15
crayola
Old 11-01-2011, 10:54 PM
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Good question - my Santander card does not appear on my Experian profile either. Had been wondering!
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# 16
The Boss
Old 11-01-2011, 11:04 PM
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Quote:
Originally Posted by crayola View Post
Good question - my Santander card does not appear on my Experian profile either. Had been wondering!
Was it recently opened or a legacy Abbey card started before 2000?
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# 17
brewerdave
Old 12-01-2011, 7:28 AM
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Quote:
Originally Posted by The Boss View Post
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
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
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# 18
Walds
Old 12-01-2011, 8:34 AM
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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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