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Starling Bank not reporting to Experian

notveryeducated
notveryeducated Posts: 157 Forumite
Fourth Anniversary 100 Posts Name Dropper
in Budgeting & bank accounts
I'm thinking of closing my TSB account and going full Starling as I only really need 1 current account, only problem is that Starling don't report to Experian, so if for example I go to apply for a loan or a credit card would the lender see on my credit report that I have no current account and then reject me? Might sound dumb so please forgive me :)

Anyone gone full starling and ran into any problems like that? 

Comments

  • jonesMUFCforever
    jonesMUFCforever Posts: 28,898 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Having just a digital bank may cause you more problems than Starling not reporting your conduct to a CRA.
    By all means open a Starling account but keep the TSB one open too - a bricks and mortar bank will help you should you have problems.
    If your credit rating is good anyway it should not make much difference.
  • MovingForwards
    MovingForwards Posts: 17,173 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Not all financial institutions report to all the credit reference agencies. Free reports from:
    MSE credit club
    Clearscore
    Credit Karma

    Never rely on just one bank in case there's a glitch, you will be without access to funds.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • penners324
    penners324 Posts: 3,592 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Starling report to all the CRAs. 
    My Starling account is listed on Experian.

    Maybe contact them ask? Wrong address?
  • SpreadableToast
    SpreadableToast Posts: 196 Forumite
    100 Posts Name Dropper
    penners324 said:
    Starling report to all the CRAs. 
    My Starling account is listed on Experian.

    Maybe contact them ask? Wrong address?
    Interestingly I just checked and they're not reporting to Experian for me either.  Not really bothered about it but doesn't look like the OPs situation is a one-off and all the data they have on me is correct.
  • colsten
    colsten Posts: 17,597 Forumite
    10,000 Posts Seventh Anniversary Photogenic Name Dropper
    penners324 said:
    Starling report to all the CRAs. 
    My Starling account is listed on Experian.

    Maybe contact them ask? Wrong address?
    My Starling account is not listed in Experian
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Have you asked who Starling do report to? 
  • EarthBoy
    EarthBoy Posts: 3,295 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    notveryeducated said:
    I'm thinking of closing my TSB account and going full Starling as I only really need 1 current account
    Don't switch your TSB account to Starling. Switch it to the Halifax and earn yourself a free £100 switching bonus. 
    Also, as mentioned above, it's a very good idea to have more than one current account.
  • wiseonesomeofthetime
    wiseonesomeofthetime Posts: 2,576 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Discussed on another forum where they too confirm Starling not appearing in Experian.
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