current accounts and credit rating

satish_141

Recently I got refused one credit card and I was surprised!!! as I was expecting my credit rating to be good as I never miss a payment etc...but then when I got the credit reports from Experian and Equifax, both of them showed that me and roja's names are not there in the electoral roll..when I called up the council they told me that both our names have been entered wrongly...

I mean they have my surname as Satish and Roja's surname and Roja where as they are our first names..I told them to change and they changed...but it may take a while for the credit ref agencies to pick up this change..anyway I am in no hurry to get a new credit card...

but one more doubt is

I have 3 current accounts

1 Barclays, 1 HSBC and 1 Halifax which I use regularly..

the Barclays one and the HSBC one I don't use them and they are inactive...would having inactive current account reduce credit scoring any ideas ? if so I will close my Barclays and also the HSBC accounts today...

pls suggest...



Regards,

Satish

jonesMUFCforever

Don't post the same question in more than one forum would be a start.

Moglex

ejones999 wrote:

Don't post the same question in more than one forum would be a start.

Although this is not particularly likely to affect your credit rating.