Email fm Experian saying new credit account added

PinkUnicorn8

singhini said:

@PinkUnicorn8
Just last week i had an ALERT email from ClearScore which panicked me. 

Last week i received an alert email from ClearScore relating to my Equifax credit report. The email was to inform me a credit agreement was being added to my report. 

Having panicked, i logged in, and it looks like my Lloyds current account is being added to my credit file. 
What's strange is ive had my Lloyds bank account for over 27 years and its never been on my credit file.

I then logged into both CreditKarma (Transunion) and Experian App and the Lloyds account already appears there (but it looks like there is only one months worth of data on both files and so i suspect its only just been added to those two credit files). 


EDIT: there were no soft or hard searches on any of my credit files. Why after 27 years Lloyds are now reporting my account i'm not sure. I did log into my Lloyds account and i was asked to confirm some personal data i.e. employment status etc.... (was asking me personal info coincidental, who knows). But having been the victim of fraud previously (aswell as once having someone else's info wrongly added to my credit file), those ALERT emails panic me, so i feel your pain.

Oh gosh, I feel for you! As MattMattMatt says it feels like they do it to panic us as some info is behind pay wall, glad it got sorted but really feel for you, the only things I can see that aren't on mine are things like my water bill and pet insurance which are monthly so wonder if they might get added! 

Grumpy_chap

I have had this and similar many times with the free CRA access.
It usually turns out to be something long established being added for some reason, or something long established having some change in the data set that is reported.
One example was the Thames Water account added as a credit account, but always showing zero balance.
A second example was the broadband service, which changed from Post Office to Shell and then to Talk Talk.  Each change resulted in the new business showing as a new account.
The alerts can be useful, but can also simply arise when everything is in order and as it should be.

PinkUnicorn8

Grumpy_chap said:

I have had this and similar many times with the free CRA access.
It usually turns out to be something long established being added for some reason, or something long established having some change in the data set that is reported.
One example was the Thames Water account added as a credit account, but always showing zero balance.
A second example was the broadband service, which changed from Post Office to Shell and then to Talk Talk.  Each change resulted in the new business showing as a new account.
The alerts can be useful, but can also simply arise when everything is in order and as it should be.

Thank you so much for your reply.
Spoke to them this morning, they checked all their systems and confirmed nothing new added or pending, no searches and nothing raising alerts, they were thorough and could see the email that was sent to me but not what generated it. I'm checking daily  just to make sure, bit of a mystery!