I really dont know where else to put this

big_Daddy_Dave

erm, when you pay a bill, how long does it take to appear on your credit file?

i havent got access to my report at the moment

im just wondering

thanks

danouk

You're going to need to be more specific. What bill are you referring to?

big_Daddy_Dave

utility, British Gas

izools

6-8 weeks

big_Daddy_Dave

really?

wow

thanks

izools

Yeah, the payment status codes and "Current Balance" shown against accounts on your credit file can be 30-90 days behind.

lisyloo

Your credit report can be up to 2 months out of date.
That's because the account holders only update once per month so depending on their/your timing that can be up to one month old.
They also report for the previous month.

So let's say BG update your report on 2nd.
If you ask for your report on 1st March, you'll get the 2nd Feb update which will be for January.
But it's all down to the timing of indviduall accounts.

izools

lisyloo wrote: »

Your credit report can be up to 2 months out of date.
That's because the account holders only update once per month so depending on their/your timing that can be up to one month old.
They also report for the previous month.

So let's say BG update your report on 2nd.
If you ask for your report on 1st March, you'll get the 2nd Feb update which will be for January.
But it's all down to the timing of indviduall accounts.

Absolutely.

Also some companies only update once every two or three months. HSBC for example show updated for period to 12/01/11 on my credit report but Three and Zopa show for period to 13/03/11 (the future )

HSBC's update however is for December, despite saying for 12th Jan - as Lizyloo suggests.

Lloyds TSB were the worst though when I closed my accounts with them in October - were still showing open in January. Had to write to their Data Controller threatening to report them to the ICO before they marked my accounts as closed.

So yeah, not a brilliant turnaround time

big_Daddy_Dave

thanks for the input

i appreciate it, learn something new everyday

notafan

I never knew utilities put stuff on your credit file (apart from mobile phones) - i've been with all the majors in the past few years npower/edf/eon/southern elec and all the names they were before and inc british gas and not one time have any of them listed any account with them on my credit file with the equifax, experian or call credit???