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Non Exisitant Credit File

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Hi,

I'm 26, was employed until from 16 year old to 22 where I left work to raise my son. Never had credit in my life as always outright purchased everything. I pay my OVO direct debit on time month after month and had the same bank account since a very young age,

Applying for credit I fail, trying to search for my credit file it fails.

Have been on the voters roll for 2+ years and only moved onced in the past 10 years.

Whats the deal? Obtaining credit is not an issue its just having a look at my credit file is what I need.

Comments

  • Candyapple
    Candyapple Posts: 3,384 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Have you tried Noddle?
    https://www.noddle.co.uk/

    Clearscore?
    https://www.clearscore.com/
    I'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com
  • Yip, nothing. Clear score cant find me noddle does not have enough data to build a file.
  • loudawg wrote: »
    Hi,
    Never had credit in my life as always outright purchased everything. .

    That might be a clue as to why you have no credit history!
  • boo_star
    boo_star Posts: 3,202 Forumite
    Part of the Furniture 1,000 Posts
    edited 18 February 2016 at 12:46AM
    loudawg wrote: »
    Hi,

    I'm 26, was employed until from 16 year old to 22 where I left work to raise my son. Never had credit in my life as always outright purchased everything. I pay my OVO direct debit on time month after month and had the same bank account since a very young age,

    Applying for credit I fail, trying to search for my credit file it fails.

    Have been on the voters roll for 2+ years and only moved onced in the past 10 years.

    Whats the deal? Obtaining credit is not an issue its just having a look at my credit file is what I need.

    It's typically difficult to get credit when you don't have a history of having any.
  • loudawg
    loudawg Posts: 10 Forumite
    I assume companies never report those on pay direct debits on time?
  • Gaz83
    Gaz83 Posts: 4,047 Forumite
    1,000 Posts Combo Breaker
    loudawg wrote: »
    I assume companies never report those on pay direct debits on time?
    Not unless it's a credit agreement.
    "Facism arrives as your friend. It will restore your honour, make you feel proud, protect your house, give you a job, clean up the neighbourhood, remind you of how great you once were, clear out the venal and the corrupt, remove anything you feel is unlike you... [it] doesn't walk in saying, "our programme means militias, mass imprisonments, transportations, war and persecution."
  • OVO don't report, but some utilities do. Anglian Water does, British Gas do, I think EON might.

    I don't know what happens when you have nothing being reported in, I'd always expected that there should still be a CRA file even if it's empty of account history - it should pull information from public records, Electoral Register, etc even if there aren't any accounts reporting? Maybe not though.

    I think the first route might be to raise a dispute / complaint to Noddle and / or Clearscore - or certainly to Equifax, Experian and Call Credit. You may need to write into them directly though given you haven't gotten an account to raise a dispute through. They will at least explain whether you should have CRA records without account history, or whether you require account history in order to show with the CRA.

    The more I think about it, the more I'm convinced you should still have CRA records - most (not all, but most) Electoral Roll searches are carried out via CRAs for identity checks, so that has to be there for that to happen?
  • GingerBob_3
    GingerBob_3 Posts: 3,659 Forumite
    boo_star wrote: »
    It's typically difficult to get credit when you don't have a history of having any.


    Which begs the question, how do you get it in the first place? ;)
  • loudawg
    loudawg Posts: 10 Forumite
    I have been considering switching bank for some time. Would this help?
  • National_Debtline
    National_Debtline Posts: 7,998 Organisation Representative
    Tenth Anniversary 1,000 Posts Combo Breaker
    Hi

    I suspect that WorkingTowardDebtfree is right that you should still be able to access a credit report even if you’ve never used any credit. It’s best to take this matter up with the credit reference agencies directly as suggested.

    James
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
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