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Credit Report

stevemag
stevemag Posts: 3 Newbie
in Debt-free wannabe
I have looked in depth at my credit report really for the first time and realised that my active current account is not on it. I have a joint 'house' account and a current account I opened and then closed on it but the one I have used for 16 years isn't...

So would my current account not being registered on this report harm my credit rating?

Comments

  • Tixy
    Tixy Posts: 31,455 Forumite
    Which credit reference agency did you check your report with?
    It could easily be that it appears on one or both of the others.

    If you went for a credit application with a lender who uses only this CRA then whether it will effect your chances would depend on how many other active accounts you have showing - if you have a few other credit accounts it will probably make no difference.

    Oh and slightly obvious question but I assume you do have an overdraft agreed on this current account?
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • stevemag
    stevemag Posts: 3 Newbie
    Hi, thanks for the reply and sorry for the delayed response I posted then wasn’t online for a week.

    I checked it through the Credit Expert/Experian.

    I have a quiet a few Credit Card accounts (which I have just cancelled the first one) but no other current accounts that would be in credit or show my regular income which why I thought it might be harming my rating.
  • stevemag
    stevemag Posts: 3 Newbie
    sorry missed the last question. I do have a £200 overdraft on it but the account is generally in credit...

    Thanks again...
  • DarkConvict
    DarkConvict Posts: 6,347
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Forumite
    You should get your £2 postal report from equilfax as well then and see if it is on their.
    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 deficiencies
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