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Account and hard searched removed.
Sncjw
Posts: 3,567 Forumite
Hello everyone.
I got an email to say that I have a new alert on my clearscore credit report.
It says that an account will show as closed next month and thats my barclaycard. I haven't closed this account and I have 0% until September 2021. I do have a balance on it at the moment. Also the hard search for that was removed in this months report.
Can you help me out as I may sound dense. Will I be able to use the card. Also they have my next card as closed even though I have it open but haven't used it for a whike
I got an email to say that I have a new alert on my clearscore credit report.
It says that an account will show as closed next month and thats my barclaycard. I haven't closed this account and I have 0% until September 2021. I do have a balance on it at the moment. Also the hard search for that was removed in this months report.
Can you help me out as I may sound dense. Will I be able to use the card. Also they have my next card as closed even though I have it open but haven't used it for a whike
Mortgage free wannabe
Actual mortgage stating amount £75,150
Overpayment paused to pay off cc
Starting balance £66,565.45
Current balance £58,108
Cc around 8k.
Actual mortgage stating amount £75,150
Overpayment paused to pay off cc
Starting balance £66,565.45
Current balance £58,108
Cc around 8k.
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Comments
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What do the other agencies report re the accounts ?Sncjw said:Hello everyone.
I got an email to say that I have a new alert on my clearscore credit report.
It says that an account will show as closed next month and thats my barclaycard. I haven't closed this account and I have 0% until September 2021. I do have a balance on it at the moment. Also the hard search for that was removed in this months report.
Can you help me out as I may sound dense. Will I be able to use the card. Also they have my next card as closed even though I have it open but haven't used it for a whike
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Ask Barclays?0
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Credit karma has alerted me a change of address. I haven't checked mse yet as its not due to be updated yet.Mortgage free wannabe
Actual mortgage stating amount £75,150
Overpayment paused to pay off cc
Starting balance £66,565.45
Current balance £58,108
Cc around 8k.0 -
I wouldn't worry with Next. They routinely 'close' the credit line down (for credit reporting purposes) if you don't use it for ages but it is still available to use. It then shows as active again when you buy something - mines been closed four times in the last 2 years - then reactivated when I've used it
Barclaycard, not sure - is it an old account (e.g. closed in 2014) that's maybe came off that you've forgotten about? The alerts aren't always clear in my experience
Have a look at your Equifax statutory report (equifax.co.uk, just get the free report, not the free trial with score etc. - unless you'll remember to cancel it).
Clearscore etc. do go a bit crazy from time to time, that's why if there's anything of concern I check Equifax direct. If you can't find it on your Equifax direct report, I'd definitely check with Barclays - the idea of these alerts is to prevent fraud, and active accounts shouldn't really be 'disappearing' without your knowledge
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