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Experian

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Ive noticed for the last 3 months, Since repaying my credit card they are not updating my credit file. Was 6500 now 4500 - So have reduced debt by close to 30% but this does not show up on file? Should i be concerned because currently it looks like I've got 6500 of debt and not 4500...

Comments

  • Kirstyb1987
    Kirstyb1987 Posts: 282 Forumite
    Mine took about 3 months to update!
  • Tixy
    Tixy Posts: 31,455 Forumite
    It will be the creditor that is not updating the file rather than experian.
    It is usual for balances to be around a month behind reality but its 3 months and if it is likely to cause you a problem (e.g. if you are planning on making a credit application) then I would contact the creditor and ask why they haven't sent a recent update to experian for your account.
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • The issuing bank is expected to produced a update file every 30 days to report status to the credit referrence agencies, call your creditor and ask them these questions and whats happened.
    If it helped, say thanks...
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