Barclaycard - 2 accounts not showing on credit reports

mojoback

Hi everyone

Has anyone come across this - I checked my credit report and noted that the 2 Barclaycards (visa and mastercard) which form part of my DMP are not listed on it- this was on both noodle and experian - does anyone have any experience of this.

Hopelessly_Hopeful

mojoback wrote: »

Hi everyone

Has anyone come across this - I checked my credit report and noted that the 2 Barclaycards (visa and mastercard) which form part of my DMP are not listed on it- this was on both noodle and experian - does anyone have any experience of this.

Sorry don't know about this but am interested. Worth be starting a new thread, there are areas that discuss credit rating. I'll be looking forward to my last couple of payments this time next year so it's something I need to start getting more information on.


Good Luck

HHx

mojoback

Hi Hopelesslyhopeful

Thanks for your response - I will open a new thread (just need to work out how!), It is strange that all accounts, credit cards, etc are on my credit file but these 2 are not. Even if they have not been defaulted yet (not sure if they have) I would have thought they would show up and I guess if there is a mistake they could go on for 6 years when it is rectified. I had never seen my credit file until recently so was completely unaware of this.

Thanks again for your response will attempt a thread and let you know how I get on.:think::think:

Hopelessly_Hopeful

mojoback wrote: »

Hi Hopelesslyhopeful

Thanks for your response - I will open a new thread (just need to work out how!), It is strange that all accounts, credit cards, etc are on my credit file but these 2 are not. Even if they have not been defaulted yet (not sure if they have) I would have thought they would show up and I guess if there is a mistake they could go on for 6 years when it is rectified. I had never seen my credit file until recently so was completely unaware of this.

Thanks again for your response will attempt a thread and let you know how I get on.:think::think:

Re new thread...... If you go to the top off this page and click the Debt-Free Wanabee line. then go to the bottom of that page and click new thread. Shout up if you struggle and we'll see if can explain another way.

They have to correct mistakes so dont worry a bout that. The worry is not so much defaults on DMPs as we know they only last 6 years from when they start. The pain in the bottom are AP - arrangements to pay that linger for longer, grrrrrrr


HHx

fermi

Copied to a new thread.

fermi

Obvious things first?

- Do they show on Equifax?
- Have they ever show on any CRA?
- When applying for your reports did you give the previous address where you opened these?
- Do the previous addresses you gave match exactly those that Barclays had for you? Even small differences can stop the CRAs automatic systems matching the accounts to your report.

mojoback

fermi wrote: »

Obvious things first?

- Do they show on Equifax?
- Have they ever show on any CRA?
- When applying for your reports did you give the previous address where you opened these?
- Do the previous addresses you gave match exactly those that Barclays had for you? Even small differences can stop the CRAs automatic systems matching the accounts to your report.

Hi Fermi

Thank you for setting up this thread - I have just opened a free trial for Equifax and nothing shown so have sent Equifax an email and await their reply.

Apologies if this is a silly question but what is a CRA?

When apply for reports was only asked for current address - been here 13 years.

Will let you know equifax response.

kind regards

fermi

CRA = Credit Reference Agency

mojoback

fermi wrote: »

CRA = Credit Reference Agency

Hi

The reply I have from Equifax is to contact Barclaycard or they will do it on my behalf, I have letters ready to send to Barclaycard tomorrow and will post outcome as soon as I receive it.

Experian_company_representative

If the accounts were opened before 2000 the lender may not have your permission to share the data.

James Jones

rubyjam

Experian_company_representative wrote: »

If the accounts were opened before 2000 the lender may not have your permission to share the data.

James Jones

Thankyou James, I do hope this is the case with mine

My biggest debt (and oldest card - opened sometime in the 1980's) doesn't show up on any of the Credit Reference Agencies. It is one of 5 Barclaycard accounts my partner and I have in our DMP (all the others are listed). It was definitely opened before 2000 so if it's an age thing, I'm quite relieved that is doesn't appear ... after nearly 2 years Barclaycard still haven't defaulted any of our debts so one less future default on our credit file would be one less thing to worry about.

The other Barclaycards are showing as AP at the moment but from what I have read on here they may wait years before Defaulting us. They are our target cards to pay off asap before this happens, it would be great if I didn't have to worry about the 'big' one!