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!

No credit accounts appearing on my credit file

Hello everyone,

I got my Experian £2 credit report yesterday because I wanted to make sure that my credit reports were being reported. Surprise, surprise they haven’t been reported. I have a Santander current account which has always been in credit and I have never had an overdraft on it or been overdrawn. All that says is £0 £0 £0 £0 on for a couple more times. I have a phone contract with Vodafone which I got in June 2013. I have a credit card as well in August 2013. I thought by now they would of been getting reported so my credit file improves. I have rang Vodafone and they have given me an email address for me to email which I have done. I have rang Vanquis as well who my credit card is with and they have put a request in so it should start appearing soon. Is there anything else I should do to make sure that it starts coming up. I was thinking of checking my credit files in January 2014 just to make sure that its being reported. If you can think of anything else please let me know.

Thank you all in advance.

Comments

  • Tixy
    Tixy Posts: 31,455 Forumite
    Have you checked your equifax and noddle files? Do either of the 2 new accounts appear on either of those?

    Worth also double checking how your address is written on your credit file and comparing it to how it is written on your paperwork from Vanquis and vodaphone. Is it written exactly the same? If is it not this can sometimes be the reason for accounts not showing.
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • I haven't checked the Noodle files or the Equifax files. I will double check how Vodafone and Vanquis have my address down. Didn't think of that, thank you.
  • Vodafone
    Vodafone Posts: 4,297 Organisation Representative
    Hi BrookesAndrew,

    If you'd like any help from me with the Vodafone side of things, could you email me with your details via the link in our profile here?

    All you need to do is copy and paste the link into your web browser and it'll take you to the Contact us form on our website. To make sure it reaches me could you also quote the code WRT135 - MSE in the subject line?

    Once sent you'll receive an automated reply with a reference number. So I can make sure I've got it could you update the thread with this and I'll get back to you as soon as possible?

    Kind regards,

    Lee

    Web Relations

    Vodafone UK
    Official Company Representative
    I am the official company representative of Vodafone. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
  • Hi there,

    I have already rang Vodafone and somebody emailed me today asking me for a few details and they said they are going to look into it for me and see why it is not appearing on my credit file.

    Thank you though,
    Andrew
  • Vodafone
    Vodafone Posts: 4,297 Organisation Representative
    Hi Andrew,

    Thanks for the update.

    Hopefully things will be resolved soon.

    If you need any further help let me know.

    Kind regards,

    Lee

    Web Relations

    Vodafone UK
    Official Company Representative
    I am the official company representative of Vodafone. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
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
  • 351.8K Banking & Borrowing
  • 253.4K Reduce Debt & Boost Income
  • 454K Spending & Discounts
  • 244.7K Work, Benefits & Business
  • 600.2K Mortgages, Homes & Bills
  • 177.3K Life & Family
  • 258.4K 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.