Bare Credit Report???

BuyBuyBuy

Hi,

Since I'll be applying for a mortgage soon, I got a £2 Credit Report from Experian.

However, the only information that it contained was to say that I am on the electoral roll at my current address (been there for over 4 months) and my previous one - nothing about bank accounts, etc... I don't have any loans, but I do have bank accounts, savings, and a credit card - surely this information should have been on it? If so, any ideas as to why not?

Senior_Paper_Monitor

Are they at another address ? Like your parents ?

CLAPTON

there are three credit agencies; you need to get reports from all of them as not all lenders and banks use all three

only credit a/cs are shown (not savings a/c)
differnt banks seem to log different data so if you have no overdraft then your bank a/c may not be listed

Experian_company_representative

On current accounts, banks only share details of overdrafts, nothing else is classed as credit. With some banks, the overdraft facility has to be over a certain amount to qualify for sharing.

If you've provided all of your addresses over the past six years then that should be your full credit report. You can get good advice on here on building a good credit history, and also from the CRA websites.

James Jones

BuyBuyBuy

Prior to living where I do now, I did always have my bank stuff going to my parent's address - where I lived before was a converted flat without a "real" postal address, and it just seemed simpler.

But, should I put my parent's address on a credit report, even though I wasn't "living" there? And why nothing from this flat, despite the fact that everything is now registered here? Surely at least my Natwest credit card should be showing up? Maybe there is a delay in terms of how long it takes the banks to update the credit agencies?

EDIT: re CLAPTON's update, presume Natwest would be updating Experian?