credit reference agency help..what does this mean on my report

michellet11

hi, i used to have a natwest bank account but it was closed down about a year ago,,,i just checked my credit report and i found this on it,,,,does it mean i owe £127 or that i have £127 in credit....thanks.
Company Name / Insight Account NumberAccount TypeTermsStart BalanceCurrent Balance Natwest Bank Current Accounts (I) / XXXXXXXXXXXXXX0207Current Account0 @ £ 0 (Monthly) £ 0 £ 127 StatusCredit LimitDate UpdatedStart DateDate Last DelinquentDate SatisfiedDefault DateDefault / Delinquent Balance Up to Date £ 018/01/201030/07/2002 £ 0

immoral_angeluk

Any chance you could make that clearer to read as everything's all over the place and not in the right order so impossible to say which bit is what.

fermi

Test copy/paste from: https://www.econsumer.equifax.co.uk/consumer/uk/sitepage.ehtml?forward=gb_cpo_printerfriendly#credit_agreements

Company Name / Insight Account Number Account Type Terms Start Balance Current Balance DFG Bank (IT Whirld) / XXXXXX1-12 Fixed Term Loan 102 @ £150 (Monthly) £16,760 £4,760 Status Credit Limit Date Updated Start Date Date Last Delinquent Date Satisfied Default Date Default Balance Defaulted £18,000 26/8/1999 8/10/1993 10/98 8/8/1999 £4,760

fermi

michellet11 wrote: »

does it mean i owe £127 or that i have £127 in credit....thanks.

That £127 is owed by the looks of it.

If that is what is listed under "current balance".

Banks only report debit balances on current accounts.