Received a warning from Equifax - basic bank accounts on credit report 31 December 2010 at 11:03AM edited 30 November -1 at 1:00AM in Budgeting & Bank Accounts 2 replies 1.1K views

c-m

I recently signed up for the free 30 day credit report access to both experian and equifax.

Today I got an alert from equifax telling me a new agreement has been added. This is with Co-operative bank (i've been banking with them since april).

I have bank account with Co-op and Nationwide, both as basic accounts, that do not offer any credit facilities and are opened without a credit check.

Why is it that these accounts are showing up on my credit file, while my basic account at Barclays is not?

Surely these accounts should not be known to credit agencies, just like for example information about rent doesn't appear because there is no line of credit.

jen245

AFAIK, most basic accounts report to the CRAs. I have a basic Lloyds account that shows up on both my Experian and Equifax credit reports. I think Barclays may only report their bank accounts to Experian, might be worth checking your experian report aswell

PNPSUKNET

its a good thing as shows you are keeping to your agreement