Does the number of accounts reported to CRAs impact credit worthiness?

x.sophie.x

I've checked my experian and equifax files. Both are in good order, but with experian I only have two accounts showing: my Barclaycard and a settled store card from 4 years ago.

My equifax however has O2, eon, my current accounts with natwest and nationwide in addition to my Barclaycard.

Would it be advantageous to approach the suppliers and ask them to report to experian... Or should it not really matter? I read that suppliers tend to report once an account has gone into difficulty (though this doesn't explain why equifax has the information).

Thank you. Sophie.

PaulW922

Mist providers report to all three agencies but not al of them. Writing to ask them to report your probably won't help as you are really talking about a policy in place. However I am surprised that your Nationwide and NatWest are not at Experian so it may be worth asking why.

On a wide note, all positive credit data is good credit data. There may be a suggestion that having too much available credit is a risk but I don't think you are at that stage.

thebritishbloke

You'll be fine. There are people on here who hold 8+ credit cards, 5+ current accounts, loans, mortgages etc and they have no problem getting new credit. So long as you don't miss payments etc you shouldn't have a problem.