barclaycard missing from credit file

chappers

Just been mooching about through our credit files, as we are about to apply for a favourable commercial loan, which our broker says we will only get with a tip top credit rating, and noticed that a Barclaycard that we have held for about 15 years doesn't appear on all three of our credit files. I'm sure it was there when I last looked about 3 years ago.
Now I'm not too worried as we have another two credit cards, with decent limits, which we use regularly for various rewards, and are kept completely up to date, and the only time we have ever not paid them off each month was when we used one on a 24 month 0% cash transfer deal to buy a car 3 years ago.
And when we paid the minimum on one for two months before clearing it off, whilst waiting for the proceeds from a house sale.

Was just wondering if the absence of this card was affecting our credit rating whether positively or negatively, or if the disappearance of this card from our credit file is anything to worry about.

Ben8282

Barclaycard that we have held for about 15 years doesn't appear on all three of our credit files


Joint credit cards do not exist.
The Barclaycard should appear on the credit file of the principal cardholder.
If you want it to appear, call Barclays, ask why they have not been reporting it and request that they start reporting it immediately.
I assume you hold a valid card on this account ... that the account is still open etc and you use it from time to time ... settled and closed accounts will disappear after 6 years ...

chappers

Cheers, you are of course correct the card is I suppose technically mine.
To be honest I'm not bothered about whether it is on our credit file or not, as even without it we have very good credit, my major concern is whether the recent disappearance of it from my credit file is something to worry about.

JimmyTheWig

Does it show in Closed Accounts?

If it's not there then it's having no impact.

chappers

JimmyTheWig wrote: »

Does it show in Closed Accounts?

If it's not there then it's having no impact.

No and it's very much an open account.

Thrugelmir

Possibly being an old account there's no right to disclose data.

MARTYM8`

Same for me with experian or noddle/callcredit - all my other credit cards appear but not my Barclaycard. No idea why - its not the oldest account?

chappers

It's just a bit weird, I'm sure it was there before, but cant be 100% sure, another Barclaycard(originally egg) that we didn't use for years and as a result they finally closed is on all three.
Maybe it was only the egg one that was there before.