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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: 5,852 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    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.
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