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  • FIRST POST
    • CHlHlRO
    • By CHlHlRO 7th Feb 18, 3:46 PM
    • 62Posts
    • 26Thanks
    CHlHlRO
    Closed account showing as open, what to do?
    • #1
    • 7th Feb 18, 3:46 PM
    Closed account showing as open, what to do? 7th Feb 18 at 3:46 PM
    Iíve checked my credit file using Noddle, Clearscore and MSE Credit Club. All three have exactly the same information as far as accounts etc go, except one has an account showing as open when it was closed in Jan 2013. I initially raised a query with the CRA as account not recognised but now Iíve figured out what it is, how do I get it changed to a closed account? Thatís the only thing that appears to be really messing up my file with that CRA.
Page 1
    • zx81
    • By zx81 7th Feb 18, 3:52 PM
    • 15,489 Posts
    • 16,415 Thanks
    zx81
    • #2
    • 7th Feb 18, 3:52 PM
    • #2
    • 7th Feb 18, 3:52 PM
    Raise a dispute with the CRA.
    • CHlHlRO
    • By CHlHlRO 8th Feb 18, 6:59 AM
    • 62 Posts
    • 26 Thanks
    CHlHlRO
    • #3
    • 8th Feb 18, 6:59 AM
    • #3
    • 8th Feb 18, 6:59 AM
    I!!!8217;ve emailed via the complaints part of the FAQ on MSE Credit Club. Guess I have to give them time to respond now!
    • MABLE
    • By MABLE 8th Feb 18, 8:49 AM
    • 3,430 Posts
    • 1,802 Thanks
    MABLE
    • #4
    • 8th Feb 18, 8:49 AM
    • #4
    • 8th Feb 18, 8:49 AM
    Iíve checked my credit file using Noddle, Clearscore and MSE Credit Club. All three have exactly the same information as far as accounts etc go, except one has an account showing as open when it was closed in Jan 2013. I initially raised a query with the CRA as account not recognised but now Iíve figured out what it is, how do I get it changed to a closed account? Thatís the only thing that appears to be really messing up my file with that CRA.
    Originally posted by CHlHlRO
    I had this issue with my MKS credit card. In the end I just phoned the company and within 30 seconds the account was closed. I suggest you ring the credit provider direct.
    • CHlHlRO
    • By CHlHlRO 8th Feb 18, 3:19 PM
    • 62 Posts
    • 26 Thanks
    CHlHlRO
    • #5
    • 8th Feb 18, 3:19 PM
    • #5
    • 8th Feb 18, 3:19 PM
    Thanks MABLE. The bank in question doesn!!!8217;t even have a record of the account anymore !!!55357;!!!56904; They said they may have details in their archive and can ask the CRA to update if I write to them to explain the problem!!!8212;hilariously the CRA with the issue is the main one they report to! Urgh!!
    • MABLE
    • By MABLE 8th Feb 18, 6:15 PM
    • 3,430 Posts
    • 1,802 Thanks
    MABLE
    • #6
    • 8th Feb 18, 6:15 PM
    • #6
    • 8th Feb 18, 6:15 PM
    Thanks MABLE. The bank in question doesn!!!8217;t even have a record of the account anymore !!!55357;!!!56904; They said they may have details in their archive and can ask the CRA to update if I write to them to explain the problem!!!8212;hilariously the CRA with the issue is the main one they report to! Urgh!!
    Originally posted by CHlHlRO
    I am just lost for words.
    • CHlHlRO
    • By CHlHlRO 9th Feb 18, 10:30 PM
    • 62 Posts
    • 26 Thanks
    CHlHlRO
    • #7
    • 9th Feb 18, 10:30 PM
    • #7
    • 9th Feb 18, 10:30 PM
    CRA responses to my query!!!8212;they will contact the lender directly and have added a note to say the account is closed. Cross your fingers that is enough for the mortgage lenders if they check that CRA lol
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