CREDIT REPORT - Experian - Missing details

Monochrome

I pay monthly my Experian membership subscription. But on my Experian credit report I can't find all my details (monthly payments). I mean it's only Lloyds TSB who appears there (I'm also banking with Barclays, Premier Division but nothing about Barclays appears in my credit report). Nothing about my monthly payments to Virgin Media, for example. Only O2 appears there (and I have 10 direct debits set on my Barclay Account). That O2 DD is in Lloyds. I downgraded my Lloyds account to a simple one, no fee. Will this affect my credit scoring? Last time I checked my credit scoring last week, I was on good with 908 points and I am here, in UK, for more than 18 months.

Do I have to do anything in order to see my monthly payments through my Premier Barclays account on my credit report? My first opened account was with Lloyds. They don't do automatically updates, as new banking accounts? Do I have to let them know about it? Thank you.

lisyloo

You won't see direct debits or transactions on your credit report.

You should see each credit account (bank accounts don't always qualify) with an outstanding balance each month.
But you won't see payments or transactions.

Joeler

Barclays current accounts report to Equifax, not Experian, so this will show on your Equifax Credit report.

O2 report to both Experian and Equifax so this will show on your Equifax report as well.

Best bet is to get a copy of both to see the full picture. Also Call Credit if you want to go the whole hog.

System

Hi Monochrome

Check out the following thread for who checks / reports to which credit reference agencies:

http://forums.moneysavingexpert.com/showthread.html?t=1033817

Barclays would normally report to Experian, check for any discrepancies between your name and / or address on your bank account and that on your credit file.

Virgin Media only report to Equifax.

Regards
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