HSBC and Credit Report - Error

Sharon87

Hi I just checked my credit report today online for £2 with CallCredit (as seen on the email) and they have my limit with HSBC for my overdraft as £0, when it's suppose to be £1500. They show my Halifax overdraft limits but not this. It says it's always been 0, when it started as £1000 - was a student account, now a Graduate account.

This probably is the reason I couldn't get credit previously. How do I sort it out? Do I contact HSBC or CallCredit? And which department do I contact? Shall I go into branch for HSBC or phone?

I'm really annoyed at this, as I want to apply for a current account elsewhere to replace Halifax so I don't pay silly charges if I go into my overdraft.

Hope this is in the right section, if not I'll post it elsewhere as well.

ice_tee

I don't think overdraft limits for student/graduate accounts get recorded. I've had a Lloyds student account for a while now and equifax also shows the limit at £0.

Sharon87

Yeah I phoned them up and they told me they don't record the limit. She said it's a HSBC thing - so not just graduate accounts. At least it's sorted now lol.

Oh yeah and looking on my credit report registering for gambling websites does a credit search - for money laundering purposes. I didn't know this! Luckily I haven't registered for more than 2 in the past 6 months lol. Don't wanna have loads of credit searches on my account.

stator

It's HSBC's way of keeping customers, they don't share much credit history information so you can't go somewhere else for credit