Bank accounts not appearing on credit history

Mangoooos

2 bank accounts and 1 credit card are not showing on my credit rating. This is across the board with Experian and others. Who should I contact to rectify? 

DullGreyGuy

Your banks/card issuers... the CRAs simply present what's being reported to them

Mangoooos

Thanks for the response. It seems strange that they’re not already. Why would this be? I’ve had one of my accounts since I was 18 (I’m now 42!). So I just need to contact the bank and request that they share my information with TransUnion? 

DullGreyGuy

You'd simply complain that they arent sharing the details with the CRAs, I wouldn't pick a particular one given you say it's across the board. Presumably you do have an overdraft on the account for there to be credit for them to report on?

CliveOfIndia

Mangoooos said:

I’ve had one of my accounts since I was 18 (I’m now 42!).

Way back when, it was not uncommon for some financial institutions not to report to the CRAs (must admit, I'm not even sure how long the CRAs have been around for).  So it's quite possible that this is the reason for at least one of your accounts - new customers will get reported to the CRA, but older customers (by which I mean the length of time you've had the account, not your actual age) may well not get reported.

Nasqueron

CliveOfIndia said:

Mangoooos said:

I’ve had one of my accounts since I was 18 (I’m now 42!).

Way back when, it was not uncommon for some financial institutions not to report to the CRAs (must admit, I'm not even sure how long the CRAs have been around for).  So it's quite possible that this is the reason for at least one of your accounts - new customers will get reported to the CRA, but older customers (by which I mean the length of time you've had the account, not your actual age) may well not get reported.

Experian as an idea started in around 1826 as a means of merchants sharing data but the modern history is from the 1960s and has been in operation as it is, from the 1980s

Hoenir

There was no provision in the contractual terms when you originally opened the accounts for the data to be shared. Credit agencies for retail customers didn't exist either. Non disclosure is a historical legacy. 

superM

I have two accounts and credit cards opened 25 years ago. They don't show on my credit report either. I prefer accounts do not show up. 

I think they will start sharing the data if you take another ctddit based product out with them.