We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Poor credit rating because old accounts not shown

My credit rating is poor and I have been refused a second credit card, once I checked with Experian and two accounts are not listed. I chased Natwest and finally got one on there but they still aren't showing my credit account. This has taken 6 months! Who do the credit agencies report to? Natwest have no idea!! Help please!

Comments

  • grumbler
    grumbler Posts: 58,629 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    kspeck wrote: »
    ...Who do the credit agencies report to? Natwest have no idea!!
    Companies report to CRAs.
    CRAs don't report to anybody.
  • The_Boss
    The_Boss Posts: 5,864 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    kspeck wrote: »
    My credit rating is poor and I have been refused a second credit card, once I checked with Experian and two accounts are not listed. I chased Natwest and finally got one on there but they still aren't showing my credit account. This has taken 6 months! Who do the credit agencies report to? Natwest have no idea!! Help please!

    When did you open the account?
    Do you live in a flat? Or have anything unusual about your address?

    You may want to repost this in the credit file forum so more people can advise.
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.1K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245.1K Work, Benefits & Business
  • 600.7K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.