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re-experian report

Hi guys, need a bit of advice please. I've just viewed my credit report online for the first time, although I'm 70.
Nothing seems amiss, but there are two things that concern me.
1;I have a joint current A/c with Hsbc , for 30 + years , and it's my main A/c, ( I have others ), but, there is no sign of it.?
Should it be there? My name is first on the A/c.
2;Tesco have searched my A/c on behalf of my wife, but, we don't have a current A/c.?
We do have separate ones, IS and IAS.
Any reason why they should.?
My wife has just ordered hers to compare, ( her first one too).
Any advice would be appreciated.:beer:

Comments

  • fermi
    fermi Posts: 40,544 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    1. Most current account were not reported to the CRAs until 7 or 8 years ago I think, and many opened before then are still not because agreement to do so was not part of the terms.

    2. Are you linked as financial associates on your reports. See --> What is a financial associate search?
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  • joe134
    joe134 Posts: 3,336 Forumite
    edited 9 July 2015 at 11:43AM
    fermi wrote: »
    1. Most current account were not reported to the CRAs until 7 or 8 years ago I think, and many opened before then are still not because agreement to do so was not part of the terms.

    2. Are you linked as financial associates on your reports. See --> What is a financial associate search?
    Hi fermi,Yes I am linked financially with my wife, have the HSBC , as mentioned as a joint A/c, and a Halifax,joint A/c, plus Credit cards, her always being second on all A/cs.
    The search is in that section.linked financially.dated nearly 12months ago, when we opened both Tesco A/cs .
  • Experian_company_representative
    Experian_company_representative Posts: 2,134 Organisation Representative
    Part of the Furniture Combo Breaker
    Hi joe134
    joe134 wrote: »
    Hi guys, need a bit of advice please. I've just viewed my credit report online for the first time, although I'm 70.
    Nothing seems amiss, but there are two things that concern me.
    1;I have a joint current A/c with Hsbc , for 30 + years , and it's my main A/c, ( I have others ), but, there is no sign of it.?
    Should it be there? My name is first on the A/c.
    2;Tesco have searched my A/c on behalf of my wife, but, we don't have a current A/c.?
    We do have separate ones, IS and IAS.
    Any reason why they should.?
    My wife has just ordered hers to compare, ( her first one too).
    Any advice would be appreciated.:beer:
    It's great to hear that you've decided to take a look through your credit report with Experian, you may also want to check your report with the other Credit Reference Agencies (CRAs), as you might find the information can differ between the reports.

    I understand your concerns regarding the search on your account by Tesco, Fermi has provided a great link for financial associates link information, if you have a financial link if and when you apply for credit the lender may search yours and your financial associate (Wife) report.

    If you haven't already done so you may want to provide at least six years worth of address history just in case any older account information is missing from your current credit report, if you/and or wife would like us to take a look through your credit report(s) with each of you to make sure that the information is appearing correct for both of you, to also establish the reason why the account is missing from report and why the search from Tesco has appeared in detail you can contact us here.

    I hope this helps.

    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
  • joe134
    joe134 Posts: 3,336 Forumite
    edited 10 July 2015 at 7:44AM
    Hi joe134


    It's great to hear that you've decided to take a look through your credit report with Experian, you may also want to check your report with the other Credit Reference Agencies (CRAs), as you might find the information can differ between the reports.

    I understand your concerns regarding the search on your account by Tesco, Fermi has provided a great link for financial associates link information, if you have a financial link if and when you apply for credit the lender may search yours and your financial associate (Wife) report.

    If you haven't already done so you may want to provide at least six years worth of address history just in case any older account information is missing from your current credit report, if you/and or wife would like us to take a look through your credit report(s) with each of you to make sure that the information is appearing correct for both of you, to also establish the reason why the account is missing from report and why the search from Tesco has appeared in detail you can contact us here.

    I hope this helps.

    Regards
    James Jarvis
    Hi James thanks for your reply.
    The thing I'm confused about is why would Tesco want to search me, when my wife wants to open a savings A/c.?
    Not a current A/c.No credit involved.
    My Tesco Instant Saver A/c, and , Instant Access Savings A/c,are also not showing on my file? So, presume,my wifes won't on hers.??
    My wife has an Instant Saver A/c, and an Instant Access saver A/c, as well
    . No debit cards, overdrafts, credit cards, etc.with either of us;
    When I opened them,all, for both of us,( as I do all the banking for both of us), I never mentioned any link to either party It's ,Not needed for a savings A/cthey are ,totally separate.?
    seems a tad strange?
    Both at the same address for 20 years.
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