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Lack of credit information
Enoughalready
Posts: 3 Newbie
I have looked at myself on Noddle & Clearscore but tried to join the MSE Credit Club but I kept failing the verification process with Experian. A bit concerned and after much hard work I managed to get a hard copy from Experian, still can't get online though.
The thing is, on any of my credit reports there is very little on me. I am mortgage free but all the credit reports show up are my three Vodafone pay monthly accounts, nothing else whatsoever apart from correct electoral roll info. I have utilities, Bank accounts, sole trader Business accounts with overdrafts, Building society accounts, a credit card etc but none of these show up anywhere and it makes me think that this is bad should I want to remortgage or something in the future.
I'm 53, I have been with the same bank for 30 odd years and probably had that credit card for the same period. It must be that because of the age of these accounts they are not reported?
Any idea what and if I should do about it?
Thank you!
The thing is, on any of my credit reports there is very little on me. I am mortgage free but all the credit reports show up are my three Vodafone pay monthly accounts, nothing else whatsoever apart from correct electoral roll info. I have utilities, Bank accounts, sole trader Business accounts with overdrafts, Building society accounts, a credit card etc but none of these show up anywhere and it makes me think that this is bad should I want to remortgage or something in the future.
I'm 53, I have been with the same bank for 30 odd years and probably had that credit card for the same period. It must be that because of the age of these accounts they are not reported?
Any idea what and if I should do about it?
Thank you!
0
Comments
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Most likely because your bank etc. didn't report to CRA's 30 years ago.
How recent is the most recent credit account you have opened?0
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