Bank account not on credit report?

Dobbibill

Paul_1977 wrote: »

Thanks, but its not on there either, should I be worried?

I would apply for the statutory report from Experian, just to be certain.

I don't have HSBC accounts so don't really know which CRA they report to. I've checked through a few details on their website but they just refer to CRAs in the plural.
I found this which seems to indicate they use both Experian and Equifax. http://www.moneysavingexpert.com/credit-cards/credit-reference

I wouldn't be too concerned, I have a Halifax account that doesn't get reported too as it's a basic account that was opened when I was 12 yrs old...many, many years ago. I have another which was a basic account when opened, then upgraded later, which again doesn't get reported.

I would check back on Clearscore in a month and in the meantime maybe get your Experian report.

diamonds

checkmyfile pulls in all your CRA reports on one report, you can get a free trial Paul77

pmduk

Paul_1977 wrote: »

Its out of 700 thought, I am 405.

I'm disappointed that after 2 years on these boards you still even read those useless figures.

Paul_1977

pmduk wrote: »

I'm disappointed that after 2 years on these boards you still even read those useless figures.

I can't help it.;)

Its in big green writing, and it goes red it its low. They make it look important.

No_6

Don't rate clearscore just seems like a site trying to sell me credit,
I don't want, with adverts

diamonds

No_6 wrote: »

Don't rate clearscore just seems like a site trying to sell me credit,
I don't want, with adverts

It pays for wholesale access to Equifax files, I got offered 4 different Barclaycard with different offers with 70-90% acceptance between them. Best was 37 months balance transfer, but none had long term cashback on offer, so Aqua it is for me, £100 a year

YorkshireBoy

diamonds wrote: »

checkmyfile pulls in all your CRA reports on one report...

The amount of detail it gets from Experian is way less than you'd get by going direct to Experian themselves. The biggest omission is payment history.


As such, a free trial would be a waste of time (being as you can get a free trial direct with Experian*) and, if you pay for it, a waste of money!


* And even if you can't, because you've previously had one, £2 gets you your statutory report.

diamonds

Clearscore

5 Positives:

You have no Court or Insolvency data
You have no accounts in Default or Repossession
You have been on the Electoral Roll at your current address for a long time
You have very few / no accounts in arrears
Your current Telecoms balance is relatively low



3 Negatives:

You have made more than a few applications for credit in the past year
Your oldest active credit agreement is not very old
You have no active credit card accounts



True, I'm a absolute tart
True, I'm a absolute tart
True, my Aqua credit card is in the post though...because I'm a absolute tart

diamonds

Paul_1977 wrote: »

It did ask me about six questions about accounts I had opened, some of them were trick questions, where there was not answer above.

I signed up, I am above my area, but only just.

Its out of 700 thought, I am 405.

Six positives, two negatives (debt is not old? etc)

I nearly got caught out on a question thinking it was a trick, it asked if I had had a BT account, answered no...apparently my old BT Sport is a BT account and reported to credit ref agencies.


Might be handy info for some people building up a credit file, given its a month to month fee of £19.99 with £30 activation on a Sky box, you do not need a active Sky subscription - a old box (Sky Freesat) with the viewing card number will suffice for BT Sports on Sky.

callum9999

diamonds wrote: »

Get you Mr Posher lol

I was 330...mind you all this tarting in 2016 I have opened more than a handful of current accounts this year and no doubt that has gone against me.

Loads of ML checks on savings accounts, Virgin done a ML check on a change of address ?

Interestingly my open 0% small loan does not show up with Equifax but does Noddle ?

Creditors can't see ML checks so they don't matter. I'd assume Clearscore recognise that as part of their algorithm but as I'm sure you already know, their score doesn't matter either.