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CREDIT EXPERT - Experian

Hi All,


I have been looking at my credit report with Experian, I know since being on here that lenders don't generally use the information but I am curious as to what is on there.


My husband and I cleared our credit cards in December, does anyone know how often this information gets updated? It is still showing that we owe money on them.


Thanks in Advance
FTD
Wobbling my way out of debt one month at a time

Credit Card £0/£3,161 0% interest PAID IN FULL 29/01/2021
Loan £0/£23,179 5.4% PAID IN FULL 31/08/2020
Total £0/£26,340 100%
DEBT FREE AS OF 29/01/2021

wobbling-my-way-out-of-debt

Comments

  • Tixy
    Tixy Posts: 31,455 Forumite
    It is usually updated monthly, and can typically be up to 4-5 weeks out of date.

    It should show some point this month.
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • Experian_company_representative
    Experian_company_representative Posts: 2,134 Organisation Representative
    Part of the Furniture Combo Breaker
    Hi All,

    I have been looking at my credit report with Experian, I know since being on here that lenders don't generally use the information but I am curious as to what is on there.


    My husband and I cleared our credit cards in December, does anyone know how often this information gets updated? It is still showing that we owe money on them.


    Thanks in Advance
    FTD

    Hi findingthisdifficult

    Tixy is right, just responded before I did.

    The credit account information on your report, is updated once a month by each of your lenders, while ever the accounts stay open.

    We also put the new data through quality control each month before we include it on your credit report. As a result, there will be a short delay between, for example, you paying off a credit card and seeing this reflected on your report.

    I hope this helps, if your husband wanted to [EMAIL="uksocialsupport@experian.com"]email[/EMAIL] me his details (name/dob/address) I would be able to take a look into this for him further.

    Kind Regards
    James Jarvis
    Official Company Representative
    I am an official company representative of Experian. 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"

    Posts by James Jones, Neil Stone, Stuart Storey & Joe Standen
  • Thanks for your response, I will check it again in the next couple of weeks.
    Wobbling my way out of debt one month at a time

    Credit Card £0/£3,161 0% interest PAID IN FULL 29/01/2021
    Loan £0/£23,179 5.4% PAID IN FULL 31/08/2020
    Total £0/£26,340 100%
    DEBT FREE AS OF 29/01/2021

    wobbling-my-way-out-of-debt

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