Bank account missing and savings not counted

RuthEd

I am fairly new to the credit score world. My score is very good but one of my accounts does not appear on the record at all also I am being scored down for not having disposable income, but I pay a good chunk into savings each month leaving only a little in the account. Any advice on this please. 

[Deleted User]

Savings are never shown.

Not all accounts are reported to all files, so you need to check all three. And some accounts may not be reported at all.

Disregard any of the scores they show you as it's not a reflection of your credit risk,  but check the accuracy of the data.  If you have a thin file, then that something you can address.

RuthEd

Deleted_User said:

Savings are never shown.

Not all accounts are reported to all files, so you need to check all three. And some accounts may not be reported at all.

Disregard any of the scores they show you as it's not a reflection of your credit risk,  but check the accuracy of the data.  If you have a thin file, then that something you can address.

Any idea how I get my other account to show? 

penners324

Ask the provider to report to the CRA you're looking at.

Or check the address the provider has is accurate 

[Deleted User]

RuthEd said:

Deleted_User said:

Savings are never shown.

Not all accounts are reported to all files, so you need to check all three. And some accounts may not be reported at all.

Disregard any of the scores they show you as it's not a reflection of your credit risk,  but check the accuracy of the data.  If you have a thin file, then that something you can address.

Any idea how I get my other account to show? 

You don't. They either report or they don't.

What accounts do you have showing and on which CRAs?

RuthEd

Deleted_User said:

RuthEd said:

Deleted_User said:

Savings are never shown.

Not all accounts are reported to all files, so you need to check all three. And some accounts may not be reported at all.

Disregard any of the scores they show you as it's not a reflection of your credit risk,  but check the accuracy of the data.  If you have a thin file, then that something you can address.

Any idea how I get my other account to show? 

You don't. They either report or they don't.

What accounts do you have showing and on which CRAs?

I havea joint account with Halifax that shows, and another with HSBC that doesn't
. 

[Deleted User]

No credit agreements at all? And is that the same on all your files?

It would be a good idea to start building some credit history.

D3xt3r5L4b

When did you open the HSBC account?

DCFC79

RuthEd said:

Deleted_User said:

Savings are never shown.

Not all accounts are reported to all files, so you need to check all three. And some accounts may not be reported at all.

Disregard any of the scores they show you as it's not a reflection of your credit risk,  but check the accuracy of the data.  If you have a thin file, then that something you can address.

Any idea how I get my other account to show? 

Not all lenders, banks etc are obligated to report to all 3 credit ref agencies, some just use 1 or 2, as pointed out previously if its a new account then that could be why its not showing.

The agencies just report the information they are given.

MinuteNoodles

In regards to disposable income, the CRAs and lenders put in "assumed values" for certain spending. For example they'll automatically assign a value for hairdressing even if like me your wife is a hairdresser who does it for you for free. It'll also have values assigned for stuff you don't even have anything to do with. So you have to realise that your affordability rating is never based on your actual spending.

Malkytheheed

Credit files only show how you handle money that is lent to you. You could be a multi billionaire in assets but a lender would never know or care.