How long for barclay card balance to update with CRA's

in Credit File & Ratings
9 replies 139 views
anna42hmranna42hmr Forumite
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Hi, i cleared a credit card balance (£1,300) 10 weeks ago, (payment shows on the card as applied on 10 May) however the 3 CRA reports all still show this balance on the card rather than zero.  

I know that it can be a delay between reporting updates but is 10 weeks usual timeframes?  

I'm trying to work out when it will go to zero on the CRA (as my mortgage is up for end of fix shortly so looking for it to be up to date as soon as possible).   I have access to my reports via MSE, Karma credit and Clear score if that makes a difference. 
MFW # 105
2015 Overpaid £8095 / 2016 Overpaid £6983.24 / 2017 Overpaid £3583.12 / 2018 Overpaid £2583.12 / 2019 Overpaid £2583.12 / 2020 Overpaid £2583.12

2021 Target £2000 / 1,506.82 OP as at July

Total OP since mortgage started in 2015 = £27,917.54

Replies

  • sourcratessourcrates Forumite, Board Guide
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    Still fallout from covid, some don`t always update monthly.
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  • anna42hmranna42hmr Forumite
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    Thanks, hopefully it will be updated soon, typical there is a delay at the time i could do with it being updated quicker
    MFW # 105
    2015 Overpaid £8095 / 2016 Overpaid £6983.24 / 2017 Overpaid £3583.12 / 2018 Overpaid £2583.12 / 2019 Overpaid £2583.12 / 2020 Overpaid £2583.12

    2021 Target £2000 / 1,506.82 OP as at July

    Total OP since mortgage started in 2015 = £27,917.54
  • FarfetchFarfetch Forumite
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    Your report will probably actually already show it, the free service lags behind


    He who rejects change is the architect of decay. The only human institution which rejects progress is the cemetery.

    -Harold Wilson


  • edited 20 July at 12:31PM
    RG2015RG2015 Forumite
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    edited 20 July at 12:31PM
    Farfetch said:
    Your report will probably actually already show it, the free service lags behind


    I agree that they lag behind but in my experience not by as much as 10 weeks.

    My MSE Experian report currently has a lag of 7 weeks and my Credit Karma and Clearscore reports have a lag of 3 weeks

    I have shown the details below. 

    @anna42hmr When did your reports last show that your Barclaycard was updated?




    My Clearscore report was updated on 19 July, and shows my NatWest credit card balance as at 30 June. The report states that my NatWest credit card was updated on 12 July.

    My Credit Karma report was updated on 14 July and shows the same balance as on Clearscore. It states that NatWest was updated on 1 July.

    My Experian credit report on MSE Credit Club was updated on 30 June and shows my NatWest credit card balance as as 31 May and that it was last updated on 6 June.




  • anna42hmranna42hmr Forumite
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    RG2015 said:
    Farfetch said:
    Your report will probably actually already show it, the free service lags behind


    I agree that they lag behind but in my experience not by as much as 10 weeks.

    My MSE Experian report currently has a lag of 7 weeks and my Credit Karma and Clearscore reports have a lag of 3 weeks

    I have shown the details below. 

    @anna42hmr When did your reports last show that your Barclaycard was updated?




    My Clearscore report was updated on 19 July, and shows my NatWest credit card balance as at 30 June. The report states that my NatWest credit card was updated on 12 July.

    My Credit Karma report was updated on 14 July and shows the same balance as on Clearscore. It states that NatWest was updated on 1 July.

    My Experian credit report on MSE Credit Club was updated on 30 June and shows my NatWest credit card balance as as 31 May and that it was last updated on 6 June.




    Thank you for the suggestion to look at the update dates in more detail.   I appreciate it.  

    It looks like they may be in the process of being updated, thankfully.  I have logged onto Karma credit this morning as my report updates weekly with them and the latest 7 day report from today now shows the nil balance on that card (which it did not on last Wednesday's report. 

    It is still showing on my clear score report.  Clear score shows as last updated on  20 June and had the balance of 1393, but it states my next clear score report is due to be available in 1 day, so that may differ at that point (finger crossed).

    The MSE club credit report shows as a the next report will be available from 25 July and the last update was from 25 June and the barclaycard listing was shown as updated on 6 June with the 1393 balance.  

    At least 1 of them has been update so far since i started the thread, and though the last updates on the other 2 were after the card payment was cleared on 10 May, the lag of the data seems less (especially if they update them in the updates that are due in the next few days).  
    MFW # 105
    2015 Overpaid £8095 / 2016 Overpaid £6983.24 / 2017 Overpaid £3583.12 / 2018 Overpaid £2583.12 / 2019 Overpaid £2583.12 / 2020 Overpaid £2583.12

    2021 Target £2000 / 1,506.82 OP as at July

    Total OP since mortgage started in 2015 = £27,917.54
  • edited 22 July at 12:36AM
    maxximus75maxximus75 Forumite
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    edited 22 July at 12:36AM
    I have accounts from different providers reporting 4+ months behind.

    It all due to "Covid"?
  • edited 23 July at 9:30AM
    anna42hmranna42hmr Forumite
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    edited 23 July at 9:30AM
    Clearscore is also showing a nil balance  now following yesterdays report update so only MSE credit club showing a card balance now, so hopefully that will change at the next report update.  
    MFW # 105
    2015 Overpaid £8095 / 2016 Overpaid £6983.24 / 2017 Overpaid £3583.12 / 2018 Overpaid £2583.12 / 2019 Overpaid £2583.12 / 2020 Overpaid £2583.12

    2021 Target £2000 / 1,506.82 OP as at July

    Total OP since mortgage started in 2015 = £27,917.54
  • anna42hmranna42hmr Forumite
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    looks like its all sorted and reporting now, as todays credit report from MSE now has the correct nil balance on it. 
    MFW # 105
    2015 Overpaid £8095 / 2016 Overpaid £6983.24 / 2017 Overpaid £3583.12 / 2018 Overpaid £2583.12 / 2019 Overpaid £2583.12 / 2020 Overpaid £2583.12

    2021 Target £2000 / 1,506.82 OP as at July

    Total OP since mortgage started in 2015 = £27,917.54
  • Nebulous2Nebulous2 Forumite
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    RG2015 said:
    Farfetch said:
    Your report will probably actually already show it, the free service lags behind


    I agree that they lag behind but in my experience not by as much as 10 weeks.

    My MSE Experian report currently has a lag of 7 weeks and my Credit Karma and Clearscore reports have a lag of 3 weeks

    I have shown the details below. 

    @anna42hmr When did your reports last show that your Barclaycard was updated?




    My Clearscore report was updated on 19 July, and shows my NatWest credit card balance as at 30 June. The report states that my NatWest credit card was updated on 12 July.

    My Credit Karma report was updated on 14 July and shows the same balance as on Clearscore. It states that NatWest was updated on 1 July.

    My Experian credit report on MSE Credit Club was updated on 30 June and shows my NatWest credit card balance as as 31 May and that it was last updated on 6 June.





    My Barclaycard has been slower than any of the rest of my cards, and it occasionally doesn't update for a month, showing as it did the month before. I pay it in full every month. 
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