Ommissions from Credit file

KayRay_2

I Have just checked my ctredit file using Credit Expert and I'm not sure whether or not the following ommissions matter -

I have current accounts with Barclays and Nationwide, and 2 credit cards - Mint and Barclaycard. However on my credit file all they have is the Nationwide current account and a credit card from them which is cancelled. Will this affect my rating, as it suggests I have access to to much less credit than I actually have. I gather as I pay off credit cards in full, this may be why they're not shown. Not sure why the Barclays account is missing though, it's where my wages are paid into and I've had it since I was about 15!

Any ideas?

latecomer

There should be information abuot how to get info added onto your file. If not then ask Experian about the process.

lisyloo

I've never had current accounts on my credit report so not sure if this is considered a "credit" account.
Credit cards certainly are considered a "credit account" even if you pay them off.
I have about 28 over the last 6 years that I've always paid off in full on my credit report.

It's possible that Mint don't use Experian so you I would suggest you get Equifax and Call credit as well.
Equifax will do a free trial (which you need to cancel) or pay £2.
No need to pay for a more expensive on-line report unless you are in a real rush.
call credit can be gotten free from
https://www.annualcreditreport.co.uk

NickX

lisyloo wrote: »

I've never had current accounts on my credit report so not sure if this is considered a "credit" account.

Current Acounts are only considered as "credit" if they have overdraft facilities.

exel1966

Accounts opened prior to 1999 may not appear on credit reports as the rules for recording information were different then. Anything after that time should appear if there is a credit facility available to you.
Credit cards should stay on ypur report for six years, regardless of whether you settled them or not.

lisyloo

Current Acounts are only considered as "credit" if they have overdraft facilities.

My account has overdraft facilities but is not listed.

Accounts opened prior to 1999 may not appear

That would be it.
I opened it about 1986.