We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Why do current accounts show on file?
Options

MoodyMand45
Posts: 108 Forumite

Just wondering why my bog standard basic bank account, current account shows on my reports?
I thought your credit file dealt with actual credit or debts, my account has some direct debits on it but no fee and no overdraft so just curious as to why this appears!
I notice the saving account does not appear just the basic bank account with zero balance.
I thought your credit file dealt with actual credit or debts, my account has some direct debits on it but no fee and no overdraft so just curious as to why this appears!
I notice the saving account does not appear just the basic bank account with zero balance.
0
Comments
-
Because most current accounts can go into an unauthorised overdraft via offline transactions, cheques etc.
Savings accounts dont normally have a debit card, no cheque book, nor can you normally pay DDs from them etc and so cannot become overdrawn1 -
Sandtree said:Because most current accounts can go into an unauthorised overdraft via offline transactions, cheques etc.
Savings accounts dont normally have a debit card, no cheque book, nor can you normally pay DDs from them etc and so cannot become overdrawn0 -
It's not strange. It's because not all institutions report to all CRAs.1
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.8K Banking & Borrowing
- 253K Reduce Debt & Boost Income
- 453.4K Spending & Discounts
- 243.7K Work, Benefits & Business
- 598.5K Mortgages, Homes & Bills
- 176.8K Life & Family
- 257K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards