credit card accounts not listed on credit history

pcrabcd

Have just checked my Experian and Noddle credit reports. Despite holdingseveral credit cards and bank accounts for over 30 years none of these accounts arelisted on either report. Credit history is near perfect - never missed a credit card payment or even been overdrawn....

Does this apparent lack of credit history damage my chances of getting credit and should I try to my credit reports changed ?

matttye

You need to check the details with your credit card companies and the credit reference agencies match exactly. The format of your name, address, DOB, etc., should be identical.

You could try ringing and asking the credit card companies why they're not reporting too and see what they say.

A lack of history is bad for creditworthiness, yes. Get on the electoral roll too if you're not already.