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Small Success & Question
spethmeister
Posts: 96 Forumite
I paid off a credit card in full this week, not done that before and feel properly smug! 
Got another with only £50 to go on it so that should be cleared next month too! :T The third has a much heftier balance but with the other 2 gone i'll be able to focus on it and clear it faster - feeling very positive about it all!! :j
My question is about Experian - how often do they update their records? The figures they are showing doesn't seem to relate to my actual balances at all!!
Got another with only £50 to go on it so that should be cleared next month too! :T The third has a much heftier balance but with the other 2 gone i'll be able to focus on it and clear it faster - feeling very positive about it all!! :jMy question is about Experian - how often do they update their records? The figures they are showing doesn't seem to relate to my actual balances at all!!
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Comments
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I always believed they were kept up to date - otherwise they are not a lot of use to people searching one's credit file !!
Well done on what you have achieved so far, it really does feel good doesn't it ??Thanks to MSE I cleared £37k of debt in five years and I was lucky enough to meet Martin to thank him personally.0 -
that's what I expeced but the balances don't match with what is on my online banking. so I assume there must be a delay or maybe the figures are refreshed monthly or something?
Hopefully someone can enlighten us!
It's a very rewarding feeling to be clearing balances, hope to continue it and hit debt free by the Olmpics!0 -
Figures are refreshed monthly by each institution, the date of the last update should be shown next to the balance.Bank loan £7,753 3% APR Exp 11/2013
Mortgage £58,637945 18 years left0 -
The records are only as accurate as the information provided by the creditors...Total 'Failed Business' Debt £29,043
Que sera, sera.
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Generally give 30 days for the creditor (bank) to send the latest information, then give a further 30 days for the credit reference agency to update your report.Although no trees were harmed during the creation of this post, a large number of electrons were greatly inconvenienced.
There are two ways of constructing a software design: One way is to make it so simple that there are obviously no deficiencies, and the other way is to make it so complicated that there are no obvious deficiencies0
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