Credit cards reporting to credit reports

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Fang_3
Fang_3 Posts: 7,602 Forumite
Am I right in thinking that you would have to spend something each month on a credit card in order to get the green 0 on your credit report? If that's the case, what would you get if you didn't spend anything that month and had a zero balance?

It's been a while since I had one and I can't remember whether I spent something every month or not.

Thanks!

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  • PNPSUKNET
    PNPSUKNET Posts: 4,265 Forumite
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    a green zero but after a while they may put a Z or U
  • izools
    izools Posts: 7,513 Forumite
    Combo Breaker First Post
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    Equifax it's a "Z" as in "Zzzzzz", Experian it's a "U" as in "Unclassified" or "D" as in "Dormant" (Not default, that's "8").

    These statuses have a null effect, i.e. they neither add to or subtract from your credit score ;)
    Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
  • Fang_3
    Fang_3 Posts: 7,602 Forumite
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    Thank you both!
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