credit report question

vintagegirl

hiya
having got my credit report from experian i have a readycash account (basic) with clydesdale Bank and next to this on my report it says

monthly payment £0 over 0 months (i dont really use this account)
status history 000000000032

in the last 21 months of account activity the number of status 1-2 is 1 and the number of status 3+ is 1

What on earth does this mean? any ideas?

silverjay

It means in the last 21 months one payment has been 2 months late and another payment has been 3 months late. Depending on the report date this would be around March/April 2010.

vintagegirl

thanks for the reply silver jay
thats kind of what i took it to mean but i dont understand. Its a basic account, which shouldnt be credit scored, has no overdraft facility ??

stclair

vintagegirl wrote: »

thanks for the reply silver jay
thats kind of what i took it to mean but i dont understand. Its a basic account, which shouldnt be credit scored, has no overdraft facility ??

Basic bank account can still report to the credit reference agencies.

Have you had any bounced direct debits etc or have you gone overdrawn on the account?

vintagegirl

think a card payment took it overdrawn about a year and a half ago, its just an account i opened as i lost my card once and was stuck so opened as a backup.
one more question, i had an experian report a year ago and it had no record of me being on the electoral roll so i wrote to them and they amended it.

Now the new one again has no record of me being on the roll? any ideas why this would have changed?