How do i tell if CC are closed - annualcreditreport.co.uk

m.r.davies

Hi
I've just checked my credit rating on annualcreditreport.co.uk
However, I thought i had cancelled some of the cards but they still appear

I guess this is down to the history always appearing, i know you can ask them to clear anything after the last 7 years, but thats a different topic

how can i tell which cards are still active?

Cheers

YorkshireBoy

m.r.davies wrote: »

I guess this is down to the history always appearing, i know you can ask them to clear anything after the last 7 years, but thats a different topic

...and a different timescale ('settled' accounts fall off after 6 years).

how can i tell which cards are still active?

They will not be shown as 'settled'.

m.r.davies

Thanks
It doesn't say anything about being "settled"

Just says current balance: 0

anyone else?

YorkshireBoy

annualcreditreport only search your CallCredit file, ie they do not search your Experian or Equifax files. So, what you're seeing is only that information which CallCredit holds on you.

I've no experience with CallCredit, but a settled account on Experian is marked "settled on xx/xx/xx", and a settled account on Equifax is marked "S0000000.....00U", where the 'S' means settled and 'U' means the account was unused or only just set up and so nothing was reported that month.

If I was you, I wouldn't bother with annualcreditreport (or checkmyfile). Instead, you'll get a far more accurate picture of your credit history by sending for your £2 statutory reports from Experian and Equifax.

Paul_Herring

m.r.davies wrote: »

how can i tell which cards are still active?

Example report from them of an inactive card:

lender name:      EGG
account type:     Revolving Credit & Budget
accountholder name:     Mr Paul James Herring 
account address:     <elided>
date of birth:     <elided>
accountholder status:     Normal
start date:     8th April 2004
[B]end date:     31st August 2006[/B]
account type:     Credit card
account status:     Normal
last updated:     31st August 2006
[B] current balance:     £0[/B]
opening balance:     £6,000
payment start date:     8th April 2004
account start date:     8th April 2004
[B]account end date:     31st August 2006[/B]
repayment frequency     Monthly
lump payment:     £0
payment history:     Move your mouse over the icons below for more detail

Active card:

lender name:      EGG
account type:     Revolving Credit & Budget
accountholder name:     Mr Paul Herring 
account address:    <elided>
date of birth:     <elided>
accountholder status:     Normal
start date:     31st December 2004
account type:     Credit card
account status:     Normal
last updated:     30th September 2006
current balance:     £1,252
credit limit:     £3,000
opening balance:     £180
payment start date:     31st December 2004
account start date:     31st December 2004
repayment frequency     Monthly
lump payment:     £0
payment history:     Move your mouse over the icons below for more detail

Note the lack of end date.

Note that the data they provide is updated only once a year - do not expect to close a card, and expect annualcreditreport to show the updated status any time soon

m.r.davies

thanks paul that all makes sense now