Wrong info and unused card

comptp

Hi,
On my Experian credit report it shows that my balance is the wrong way around (it’s actually completely empty now) but it had £200 on it for a 10k limit. But, it shows it as 9800 on it on the website? Do I need to contact the lender to get them to change/check?

also, should I cancel it if applying for a mortgage? I have a great credit score and another card with a 7k limit (also empty). Just in the process of mortgage application so don’t want to hurt it but would be great to boost it.

DCFC79

comptp said:

Hi,
On my Experian credit report it shows that my balance is the wrong way around (it’s actually completely empty now) but it had £200 on it for a 10k limit. But, it shows it as 9800 on it on the website? Do I need to contact the lender to get them to change/check?

also, should I cancel it if applying for a mortgage? I have a great credit score and another card with a 7k limit (also empty). Just in the process of mortgage application so don’t want to hurt it but would be great to boost it.

Dont worry about your score since only you can see it, its your history which is what lenders see.

comptp

But, wouldn’t it show that I have 10k more on cards than it suggest? It’s showing my ‘spend’ as 9800 rather than 200..

[Deleted User]

Ask the lender to correct it if it's wrong.

But don't cancel it.  You only have two cards so could do with another one or two, rather than going down to a single credit option.