Help Building my credit rating?

si2k5

I have 1 Credit card with Abbey, 2 Current acounts with Abbey, one with an overdraft. I also have an o2 contract and have done for 3 years, yet none of these appear on either of my credit reports. I have been declined for a credit card recently. I am on the electoral role. The only thing i have on my experian report is a ccj from several years ago which i am in the process of having set aside as it should not be there. I have been told because i have no credit history this will affect me more? although i have called my bank and o2 several times and asked them to show my accounts on my report and 6 months later still nothing there. What can i do to get them to appear so i can build a good report?

Thanks in advance

thriftymomma

It may be something really simple like a variation of the way they have spelt your name and/or address.

CannyJock

Worth comparing Experian, Equifax and Callcredit, £2 statutory report with each.

You should write to each of the creditors complaints department informing them that your previous telephone requests have been ignored and ask them to write back confirming they have reported to the CRA's.

Unfortunately you're with Abbey and they're not called Shabbey for nothing ...

si2k5

I called Experian today and apparently it was because of different variations of my address, so they have found my bank, cc and phone account and it should show tomorrow. Would this have been affecting me getting credit? they have been there all this time but i could not see them on my report.

Thanks in advance