Things not showing on my credit report (yet)

MoHunter

I was surprised that some credit agreements are not (yet?) showing on my Experian credit report and wonder if anyone can give advice on this:

- Took out a personal loan of £9000 over 3 years with my bank beginning of May. First repayment made 17th June. Nothing at all showing for this yet and it's been a month? How long does this normally take?

- I have a finance agreement with OUSBA for Open University fees which I have been paying off regularly since January this year. I understand that not all credit agreements are reported to Experian but I had hoped this would show up on my report, as I otherwise have very little credit history to speak off and want to get a mortgage next year, so any satisfied credit agreements should help I thought. Does the OUSBA not report to Experian or other CRAs? OR is this only reported once settled? (my agreement will be paid off in September).

- On the other hand, an O2 landline/broadband account which I cancelled in April is still showing as open, it is showing as satisfied and all was paid off in April, no further bills since. How long does it take till this shows as "settled" or disappears from my report?

Lastly, after moving house recently it was confirmed to me by the council that I was added to the electoral roll from beginning of June. When will this be updated on my credit reports?

Thanks in advance .

rizla_king

MoHunter wrote: »

- I have a finance agreement with OUSBA for Open University fees which I have been paying off regularly since January this year. I understand that not all credit agreements are reported to Experian but I had hoped this would show up on my report, as I otherwise have very little credit history to speak off and want to get a mortgage next year, so any satisfied credit agreements should help I thought. Does the OUSBA not report to Experian or other CRAs? OR is this only reported once settled? (my agreement will be paid off in September).

Their website says they report to Equifax.

sfax

In my experience, it can take 2 or even 3 months to show new credit agreements. Check again in one month. Re. O2, can be anything up to 6 years and it's better that it can still be seen for a while as settled agreements are seen as positive