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Basic bank account effect on score
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basic bank account as shown in noddle
at present there is over £300 in the account
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I had a barclays one for a bit. Cant remember if it was on my credit file but when i went into the branch to upgrade it after a few months they told me the history and management of it didnt count in their internal scoring systems0
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My previous Santander Basic account was recorded on my credit file, alongside the top up debit card as a separate account (ie. 2 entries on my credit file). Having no access to an overdraft however meant that they were simply reported as a £0 balance that was always paid in full0
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I have two Natwest Current Accounts, one basic (foundation) and one standard (select).
On my credit file, one is listed as a BASIC CURRENT ACCOUNT and the other is listed as CURRENT ACCOUNT.
My Nationwide Flexbasic is also listed as a BASIC CURRENT ACCOUNT.
I have now closed both that are listed as such!
UsetheFORCEI have numerous qualifications in Business and Finance, Accountancy, Health and Safety and am now studying Law.
Don't rely on anything I write as it may be wrong!!!0 -
On the credit club (experian) report they have split the accounts up now, one headed current accounts and another headed basic accounts
I don't know if this would be shown on a search, could this be detrimental to an application if the only account you had was a basic account ?
It doesn't affect me personally but iv'e only recently noticed the change.0 -
Well both my basic BOS account and Monzo account DO NOT appear on my credit file.This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0
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No, just clearscore (Equifax). The other two want money from me to do it!Willing2Learn wrote: »Are you checking against all three CRAs?This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0 -
They are all free. Clearscore is Equifax. If you want Experian you go via MSE Credit Club. And for TransUnion you go to Noddle
I work within the voluntary sector, supporting vulnerable people to rebuild their lives.
I love my job
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OK, checking noodle I can now see Monzo and BOS!!Willing2Learn wrote: »They are all free. Clearscore is Equifax. If you want Experian you go via MSE Credit Club. And for TransUnion you go to Noddle
Alarmingly I can also see TSB and Santander bank accounts I have no knowledge of having!?! They both say £0 and are in good standing. I must have opened them over a decade ago. Shall I leave them be?This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0
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