Natwest and Credit files

oscar52

Just looked at my Equifax file (MSE style) and had my experian short while ago. Nztwest CC doesnt appear on either - nowhere, not listed as a creditor, no pyment history, NOTHING. It is just as if I dont not hold a Natwest card. Now im pretty sure Natwest use one (or both of these) but surely it should be on there?

Anyone any ideas?

thesaint

Did you open up the accounts before 1998?

oscar52

Not before 1998 - possible during 1998, but definately 1999 - was originally a student card when in Uni so now it was late 98 or early 99 (and its still running)

thesaint

Not to sure then.

Most companies began to report to the credit reference agencies if you opened your account with them after January 1998. It could be that Natwest started later though. It has it's advantages and disadvantages though, you can use it to your advantage.

oscar52

thesaint wrote:

Not to sure then.

Most companies began to report to the credit reference agencies if you opened your account with them after January 1998. It could be that Natwest started later though. It has it's advantages and disadvantages though, you can use it to your advantage.

advantage - how? - like say "its not on my credit files, therefore I dont owe you any money, so whistle" :rotfl:

thesaint

There may be others, probably others members will post some, but I have a current account with HSBC that isn't on any credit reports. I have one with Halifax that is reported. I have an available overdraft on both accounts of £2000.
I always use the Halifax overdraft if needed because if I were to apply for a credit card the company searching wouldn't see that I was up to £2000 in debt.

oscar52

My current account isnt there either, but i knew some of thos didnt bother with credit files unless there was a problem, but i thought ALL credit cards did report monthly.